BlastPoint's Credit Union Scorecard
FOOTHILLS
Charter #67181 · CO
FOOTHILLS has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.62% below tier average
- - Efficiency ratio 18.77% above tier (higher cost structure)
- - Delinquency rate 0.11% above tier average
- - Net Worth Ratio: Bottom 1.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,152
-1.8% YoY-0.7% QoQ
|
-4.0K |
15,145
-2.5% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
38% |
| Assets |
$163.3M
+1.1% YoY-0.3% QoQ
|
$-68.4M |
$231.7M
+0.8% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
36% |
| Loans |
$120.3M
+5.9% YoY+3.1% QoQ
|
$-23.9M |
$144.1M
+0.2% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
49% |
| Deposits |
$150.3M
+1.6% YoY-0.2% QoQ
|
$-50.8M |
$201.1M
+0.4% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
41% |
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| ROA |
0.1%
-32.0% YoY
|
-0.6% |
0.7%
+5.1% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.6% in tier |
| NIM |
3.4%
+2.6% YoY-1.8% QoQ
|
-0.2% |
3.6%
+4.6% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
38% |
| Efficiency Ratio |
96.8%
+4.8% YoY+5.1% QoQ
|
+18.8% |
78.0%
-1.7% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.5% in tier |
| Delinquency Rate |
0.9%
-11.7% YoY-23.0% QoQ
|
+0.1 |
0.8%
+7.1% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
70% |
| Loan To Share |
80.0%
+4.2% YoY+3.3% QoQ
|
+9.6% |
70.4%
-0.4% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
68% |
| AMR |
$24,265
+5.4% YoY+1.9% QoQ
|
$-653 |
$24,918
+2.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
57% |
| CD Concentration |
34.7%
-2.3% YoY+1.1% QoQ
|
+10.4% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % |
7.8%
-14.1% YoY-6.5% QoQ
|
-6.0% | 13.8% | 12.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)