BlastPoint's Credit Union Scorecard
CREDIT UNION OF THE ROCKIES
Charter #67226 · CO
CREDIT UNION OF THE ROCKIES has 1 strength but faces 8 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
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.74% below tier average
- - Efficiency ratio 18.65% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,011
-6.6% YoY-2.3% QoQ
|
-7.1K |
15,145
-2.5% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$119.2M
+5.4% YoY+2.0% QoQ
|
$-112.5M |
$231.7M
+0.8% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.0% in tier |
| Loans |
$72.7M
-3.1% YoY-0.5% QoQ
|
$-71.5M |
$144.1M
+0.2% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
20% |
| Deposits |
$106.3M
+5.7% YoY+2.1% QoQ
|
$-94.8M |
$201.1M
+0.4% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.8% in tier |
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| ROA |
-0.0%
-105.2% YoY-103.6% QoQ
|
-0.7% |
0.7%
+5.1% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.4% in tier |
| NIM |
3.6%
-4.2% YoY-3.7% QoQ
|
+0.0% |
3.6%
+4.6% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
48% |
| Efficiency Ratio |
96.7%
+2.2% YoY+8.0% QoQ
|
+18.7% |
78.0%
-1.7% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.7% in tier |
| Delinquency Rate |
1.2%
+271.9% YoY+31.3% QoQ
|
+0.4 |
0.8%
+7.1% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
68.4%
-8.3% YoY-2.5% QoQ
|
-2.1% |
70.4%
-0.4% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
43% |
| AMR |
$22,346
+9.1% YoY+3.4% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
46% |
| CD Concentration |
23.3%
+19.6% YoY-9.9% QoQ
|
-1.0% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % |
18.6%
-8.2% YoY-3.5% QoQ
|
+4.8% | 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 (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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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.
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)