BlastPoint's Credit Union Scorecard
COMMUNITY CHOICE
Charter #66012 · CO
COMMUNITY CHOICE has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 1.4% in tier
- + Total Deposits: Top 4.0% in tier
- + Total Members: Top 7.8% in tier
- + Total Loans: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
- - Efficiency ratio 10.70% above tier (higher cost structure)
- - Delinquency rate 0.76% above tier average
- - Member decline: -4.7% YoY
- - Indirect Auto Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,384
-4.7% YoY-1.7% QoQ
|
+3.8K |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
Top 7.9% in tier |
| Assets |
$95.8M
-2.6% YoY-1.5% QoQ
|
+$66.0M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
Top 1.4% in tier |
| Loans |
$42.8M
-11.0% YoY-2.4% QoQ
|
+$27.0M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
Top 8.6% in tier |
| Deposits |
$77.1M
-3.4% YoY-1.7% QoQ
|
+$51.6M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
Top 4.0% in tier |
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| ROA |
0.3%
-65.4% YoY-42.5% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
29% |
| NIM |
3.6%
+6.0% YoY+1.9% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
37% |
| Efficiency Ratio |
92.1%
+17.6% YoY+6.9% QoQ
|
+10.7% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
80% |
| Delinquency Rate |
2.3%
+464.4% YoY+20.1% QoQ
|
+0.8 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
83% |
| Loan To Share |
55.5%
-7.9% YoY-0.7% QoQ
|
-5.7% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
41% |
| AMR |
$18,774
-1.6% YoY-0.3% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
12.6%
-5.2% YoY+0.0% QoQ
|
-11.8% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
10.8%
-22.7% YoY-7.8% QoQ
|
-3.2% |
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)