BlastPoint's Credit Union Scorecard
FOOTHILLS
Charter #67181 · CO
FOOTHILLS faces 10 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.5% in tier
- - Credit Quality Pressure: Bottom 11.3% in tier
- - Credit Risk Growth: Bottom 17.2% in tier
- - Membership Headwinds: Bottom 20.6% in tier
- - Stagnation Risk: Bottom 30.2% in tier
- - ROA 0.87% below tier average
- - Efficiency ratio 14.81% above tier (higher cost structure)
- - Delinquency rate 1.05% above tier average
- - Net Worth Ratio: Bottom 1.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,298
-1.9% YoY-0.1% QoQ
|
-4.3K |
15,628
-3.4% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
37% |
| Assets |
$160.2M
+0.9% YoY+0.5% QoQ
|
$-71.1M |
$231.3M
-0.0% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
35% |
| Loans |
$117.0M
+3.7% YoY+1.2% QoQ
|
$-30.8M |
$147.8M
-1.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
46% |
| Deposits |
$147.2M
+1.5% YoY+0.4% QoQ
|
$-53.1M |
$200.3M
-0.0% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
40% |
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| ROA |
-0.1%
-148.8% YoY-58.9% QoQ
|
-0.9% |
0.8%
+15.5% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.2% in tier |
| NIM |
3.5%
+1.7% YoY+2.2% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
45% |
| Efficiency Ratio |
92.1%
+6.8% YoY+0.8% QoQ
|
+14.8% |
77.3%
-3.0% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
Top 7.5% in tier |
| Delinquency Rate |
1.9%
+17.0% YoY+93.8% QoQ
|
+1.0 |
0.9%
+7.6% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
Top 8.3% in tier |
| Loan To Share |
79.5%
+2.2% YoY+0.9% QoQ
|
+6.8% |
72.7%
-1.5% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
61% |
| AMR |
$23,382
+4.4% YoY+0.9% QoQ
|
$-982 |
$24,363
+2.9% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
56% |
| CD Concentration |
34.8%
+1.4% YoY+1.0% QoQ
|
+10.4% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
8.7%
-15.7% YoY-4.2% QoQ
|
-5.3% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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)