BlastPoint's Credit Union Scorecard
COMMUNITY CHOICE
Charter #66012 · CO
COMMUNITY CHOICE has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 1.2% in tier
- + Total Deposits: Top 3.7% in tier
- + Total Members: Top 7.6% in tier
- + Total Loans: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Efficiency ratio 12.48% above tier (higher cost structure)
- - Member decline: -3.3% YoY
- - Indirect Auto Concentration (%): Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,315
-3.3% YoY-1.1% QoQ
|
+3.7K |
2,615
-1.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
Top 7.7% in tier |
| Assets |
$96.9M
-0.2% YoY+1.1% QoQ
|
+$66.7M |
$30.1M
+2.1% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 1.2% in tier |
| Loans |
$42.1M
-9.9% YoY-1.7% QoQ
|
+$26.3M |
$15.8M
-1.3% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
Top 8.9% in tier |
| Deposits |
$78.0M
-0.3% YoY+1.2% QoQ
|
+$52.3M |
$25.7M
+1.4% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 3.7% in tier |
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| ROA |
0.2%
-76.6% YoY-37.6% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
3.6%
+9.5% YoY+1.5% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
95.0%
+19.1% YoY+3.2% QoQ
|
+12.5% |
82.6%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
1.2%
-29.3% YoY-45.5% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
53.9%
-9.6% YoY-2.9% QoQ
|
-6.7% |
60.6%
-3.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$19,016
-0.6% YoY+1.3% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
12.6%
-5.1% YoY-0.5% QoQ
|
-11.9% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % |
10.2%
-22.0% YoY-5.9% QoQ
|
-3.6% | 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)