BlastPoint's Credit Union Scorecard
OPTIONS
Charter #65111 · CO
OPTIONS has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.01% above tier average
- + Loan-to-Share Ratio: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.20% below tier average
- - Efficiency ratio 27.07% above tier (higher cost structure)
- - Member decline: -7.5% YoY
- - Net Worth Ratio: Bottom 7.0% in tier
- - Member Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
558
-7.5% YoY-0.7% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
15% |
| Assets |
$4.5M
-3.9% YoY+0.1% QoQ
|
$-25.3M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$4.0M
-8.9% YoY-2.4% QoQ
|
$-11.8M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
29% |
| Deposits |
$4.1M
-3.3% YoY+0.8% QoQ
|
$-21.3M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
20% |
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| ROA |
-1.5%
+451.2% YoY+60.5% QoQ
|
-2.2% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.0% in tier |
| NIM |
4.9%
+3.9% YoY+0.9% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
84% |
| Efficiency Ratio |
108.5%
+2.2% YoY-0.1% QoQ
|
+27.1% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
Top 6.7% in tier |
| Delinquency Rate |
0.2%
-43.4% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
28% |
| Loan To Share |
96.7%
-5.8% YoY-3.2% QoQ
|
+35.4% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
Top 6.2% in tier |
| AMR |
$14,471
+1.4% YoY-0.1% QoQ
|
$-156 |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
16.0%
-10.6% YoY-13.1% QoQ
|
-8.4% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
4.6%
-36.3% YoY-6.9% QoQ
|
-9.4% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
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)