BlastPoint's Credit Union Scorecard
NORTHERN COLORADO
Charter #65775 · CO
NORTHERN COLORADO has 5 strengths but faces 6 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 3.1% in tier
- + Total Deposits: Top 8.2% in tier
- + Total Loans: Top 8.9% in tier
- + Total Assets: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Efficiency ratio 3.51% above tier (higher cost structure)
- - Member decline: -4.6% YoY
- - Share Certificate Concentration (%): Bottom 4.5% in tier
- - Net Interest Margin (NIM): Bottom 7.4% in tier
- - Indirect Auto Concentration (%): Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,141
-4.6% YoY+0.2% QoQ
|
+515 |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$74.9M
-6.4% YoY-2.6% QoQ
|
+$45.1M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
Top 9.8% in tier |
| Loans |
$42.1M
+0.3% YoY-0.7% QoQ
|
+$26.3M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
Top 8.9% in tier |
| Deposits |
$66.9M
-7.7% YoY-3.1% QoQ
|
+$41.4M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
Top 8.3% in tier |
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| ROA |
0.4%
-1276.8% YoY+16.3% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
33% |
| NIM |
2.5%
+19.2% YoY+4.9% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.3% in tier |
| Efficiency Ratio |
84.9%
-10.7% YoY-2.4% QoQ
|
+3.5% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.4%
+97.2% YoY+33.4% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
63.0%
+8.6% YoY+2.5% QoQ
|
+1.7% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
52% |
| AMR |
$34,697
-0.2% YoY-2.3% QoQ
|
+$20K |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
Top 1.8% in tier |
| CD Concentration |
47.5%
-1.8% YoY-0.2% QoQ
|
+23.1% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
15.7%
-26.0% YoY-3.4% QoQ
|
+1.7% |
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)