BlastPoint's Credit Union Scorecard
CREDIT UNION OF THE ROCKIES
Charter #67226 · CO
CREDIT UNION OF THE ROCKIES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + AMR Growth Rate: Top 2.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.78% below tier average
- - Efficiency ratio 17.07% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 26 that size in Colorado.
- Shares and deposits +2.7% year over year ($101M in shares and deposits).
- Membership: 7,397 members, -13.7% vs a year ago.
- Delinquency rate 1.92%.
- Return on assets 0.08%.
- Efficiency ratio 93.81% vs a 76.73% peer average.
- Loan-to-share ratio 71.23% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,397
-13.7% YoY-7.7% QoQ
|
-7.8K |
15,168
-2.6% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
Bottom 14.5% in tier |
| Assets |
$113.3M
+2.3% YoY-5.0% QoQ
|
$-118.7M |
$232.0M
+0.7% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.8% in tier |
| Loans |
$71.7M
-1.6% YoY-1.4% QoQ
|
$-74.6M |
$146.3M
+0.2% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
18% |
| Deposits |
$100.6M
+2.7% YoY-5.3% QoQ
|
$-100.1M |
$200.7M
+0.2% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.8% in tier |
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| ROA |
0.1%
-80.7% YoY
|
-0.8% |
0.9%
+12.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.7% in tier |
| NIM |
3.7%
-4.2% YoY+2.4% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
50% |
| Efficiency Ratio |
93.8%
+4.7% YoY-3.0% QoQ
|
+17.1% |
76.7%
-0.8% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.1% in tier |
| Delinquency Rate |
1.9%
+223.6% YoY+65.1% QoQ
|
+1.0 |
0.9%
+6.6% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.2% in tier |
| Loan To Share |
71.2%
-4.2% YoY+4.2% QoQ
|
-0.3% |
71.5%
-0.3% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
47% |
| AMR |
$23,297
+16.9% YoY+4.3% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
24.1%
+14.3% YoY+3.5% QoQ
|
-0.4% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % |
17.3%
-17.6% YoY-7.1% QoQ
|
+3.6% | 13.6% | 12.3% | 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 (6)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)