BlastPoint's Credit Union Scorecard
NORTHERN COLORADO
Charter #65775 · CO
NORTHERN COLORADO has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 2.1% in tier
- + Loan-to-Member Ratio (LMR): Top 3.1% in tier
- + Total Loans: Top 8.6% in tier
- + Total Deposits: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 0.19% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 4.5% in tier
- - Indirect Auto Concentration (%): Bottom 7.2% in tier
- - Net Interest Margin (NIM): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,127
-1.4% YoY-0.4% QoQ
|
+511 |
2,615
-1.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$73.9M
-5.3% YoY-1.3% QoQ
|
+$43.8M |
$30.1M
+2.1% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 10.3% in tier |
| Loans |
$42.6M
+1.2% YoY+1.3% QoQ
|
+$26.9M |
$15.8M
-1.3% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
Top 8.6% in tier |
| Deposits |
$65.7M
-6.7% YoY-1.7% QoQ
|
+$40.0M |
$25.7M
+1.4% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 9.1% in tier |
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| ROA |
0.5%
+566.9% YoY+16.9% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
2.6%
+20.6% YoY+4.7% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.4% in tier |
| Efficiency Ratio |
82.7%
-10.3% YoY-2.5% QoQ
|
+0.2% |
82.6%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.5%
+152.5% YoY+15.5% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
64.9%
+8.5% YoY+3.1% QoQ
|
+4.3% |
60.6%
-3.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$34,647
-2.4% YoY-0.1% QoQ
|
+$20K |
$14,783
-1.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
Top 2.2% in tier |
| CD Concentration |
47.7%
+1.1% YoY+0.4% QoQ
|
+23.3% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % |
15.1%
-22.2% YoY-3.8% QoQ
|
+1.3% | 13.8% | 12.2% | 7.8% | 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)