BlastPoint's Credit Union Scorecard
NORTHERN COLORADO
Charter #65775 · CO
NORTHERN COLORADO has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 1.8% in tier
- + Loan-to-Member Ratio (LMR): Top 2.6% in tier
- + Total Deposits: Top 7.6% in tier
- + Total Loans: Top 8.2% in tier
- + Total Assets: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.16% below tier average
- - Share Certificate Concentration (%): Bottom 4.3% in tier
- - Indirect Auto Concentration (%): Bottom 6.7% 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 -1.6% year over year ($67.9M in shares and deposits).
- Membership: 3,097 members, -1.2% vs a year ago.
- Delinquency rate 1.08%.
- Return on assets 0.33%.
- Efficiency ratio 83.08% vs a 88.77% peer average.
- Loan-to-share ratio 63.66% 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 |
3,097
-1.2% YoY-0.7% QoQ
|
+511 |
2,585
-1.7% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
69% |
| Assets |
$76.3M
-0.9% YoY+1.2% QoQ
|
+$46.0M |
$30.3M
+1.5% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
Top 9.5% in tier |
| Loans |
$43.2M
+2.0% YoY+0.7% QoQ
|
+$27.8M |
$15.5M
-1.7% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
Top 8.2% in tier |
| Deposits |
$67.9M
-1.6% YoY+1.3% QoQ
|
+$42.1M |
$25.8M
+1.1% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
Top 7.7% in tier |
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| ROA |
0.3%
-9.5% YoY-3.2% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
20% |
| NIM |
2.7%
+15.3% YoY+3.0% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.5% in tier |
| Efficiency Ratio |
83.1%
-4.5% YoY-2.4% QoQ
|
-5.7% |
88.8%
-6.9% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
57% |
| Delinquency Rate |
1.1%
+230.8% YoY+88.4% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
63% |
| Loan To Share |
63.7%
+3.7% YoY-0.6% QoQ
|
+4.8% |
58.9%
-3.1% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
58% |
| AMR |
$35,884
+1.0% YoY+1.9% QoQ
|
+$21K |
$14,963
-6.8% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
Top 1.8% in tier |
| CD Concentration |
48.6%
+1.9% YoY+0.8% QoQ
|
+24.0% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % |
14.7%
-9.8% YoY-3.7% QoQ
|
+1.0% | 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)