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
- + Net Interest Margin 0.11% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 12.51% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,200
-4.6% YoY-1.6% QoQ
|
-7.2K |
15,437
-2.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$116.9M
+7.6% YoY+3.7% QoQ
|
$-115.0M |
$231.9M
+1.3% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.1% in tier |
| Loans |
$73.0M
-5.6% YoY-0.3% QoQ
|
$-74.3M |
$147.3M
-0.1% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$104.1M
+7.9% YoY+4.4% QoQ
|
$-96.7M |
$200.8M
+0.8% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.4% in tier |
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| ROA |
0.4%
+108.9% YoY-29.1% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
3.7%
-0.8% YoY-3.0% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
89.5%
-4.6% YoY+1.1% QoQ
|
+12.5% |
77.0%
-3.1% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.2% in tier |
| Delinquency Rate |
0.9%
+60.2% YoY+23.6% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
70.1%
-12.5% YoY-4.5% QoQ
|
-2.1% |
72.2%
-1.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$21,607
+6.8% YoY+4.1% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
25.8%
+27.3% YoY+5.3% QoQ
|
+1.4% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % |
19.2%
-9.8% YoY-5.1% QoQ
|
+5.5% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)