BlastPoint's Credit Union Scorecard
OPTIONS
Charter #65111 · CO
OPTIONS has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.74% above tier average
- + Asset Growth Rate: Top 0.9% in tier
- + Deposit Growth Rate: Top 0.9% in tier
- + AMR Growth Rate: Top 2.1% in tier
- + Loan Growth Rate: Top 3.0% in tier
- + Loan-to-Share Ratio: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.43% below tier average
- - Efficiency ratio 6.53% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Colorado.
- Shares and deposits +24.0% year over year ($5.0M in shares and deposits).
- Membership: 556 members, -1.1% vs a year ago.
- Delinquency rate 1.20%.
- Return on assets 0.06%.
- Efficiency ratio 95.29% vs a 88.77% peer average.
- Loan-to-share ratio 98.28% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
556
-1.1% YoY-0.2% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
15% |
| Assets |
$5.5M
+20.9% YoY+1.5% QoQ
|
$-24.8M |
$30.3M
+1.5% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$5.0M
+22.0% YoY+0.8% QoQ
|
$-10.5M |
$15.5M
-1.7% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
34% |
| Deposits |
$5.0M
+24.0% YoY+1.7% QoQ
|
$-20.8M |
$25.8M
+1.1% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
23% |
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| ROA |
0.1%
-106.8% YoY-82.9% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.6% in tier |
| NIM |
4.6%
-5.3% YoY+0.1% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
95.3%
-12.2% YoY+1.9% QoQ
|
+6.5% |
88.8%
-6.9% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
1.2%
+221.8% YoY+2305.1% QoQ
|
-0.3 |
1.5%
+2.1% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
98.3%
-1.6% YoY-0.9% QoQ
|
+39.4% |
58.9%
-3.1% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
Top 3.9% in tier |
| AMR |
$18,007
+24.3% YoY+1.4% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
69% |
| CD Concentration |
20.8%
+13.4% YoY+18.9% QoQ
|
-3.7% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % |
2.5%
-49.2% YoY-10.3% QoQ
|
-11.1% | 13.6% | 12.3% | 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)