BlastPoint's Credit Union Scorecard
OPTIONS
Charter #65111 · CO
OPTIONS has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% above tier average
- + Net Interest Margin 0.62% above tier average
- + Deposit Growth Rate: Top 1.9% in tier
- + Asset Growth Rate: Top 2.4% in tier
- + AMR Growth Rate: Top 2.6% in tier
- + Loan Growth Rate: Top 3.3% in tier
- + Loan-to-Share Ratio: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.85% above tier (higher cost structure)
- - Member decline: -2.5% YoY
- - Net Worth Ratio: Bottom 2.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
557
-2.5% YoY-0.7% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
15% |
| Assets |
$5.4M
+15.5% YoY+9.3% QoQ
|
$-24.8M |
$30.2M
+1.3% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$4.9M
+20.5% YoY+10.6% QoQ
|
$-10.4M |
$15.3M
-2.0% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
34% |
| Deposits |
$5.0M
+18.1% YoY+10.1% QoQ
|
$-20.8M |
$25.8M
+0.7% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
23% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-155.6% YoY-133.3% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
39% |
| NIM |
4.6%
-0.2% YoY-4.2% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
81% |
| Efficiency Ratio |
93.5%
-16.3% YoY-11.4% QoQ
|
+2.9% |
90.6%
+6.5% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
75% |
| Delinquency Rate |
0.1%
-94.3% YoY-78.3% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
17% |
| Loan To Share |
99.2%
+2.1% YoY+0.5% QoQ
|
+40.6% |
58.5%
-3.0% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Top 3.5% in tier |
| AMR |
$17,751
+22.3% YoY+11.2% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
68% |
| CD Concentration |
17.5%
-0.8% YoY-8.4% QoQ
|
-6.8% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % |
2.8%
-50.5% YoY-17.4% QoQ
|
-11.0% | 13.8% | 12.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)