BlastPoint's Credit Union Scorecard
COLORADO
Charter #68443 · CO
COLORADO has 9 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 6.7% in tier
- + Organic Growth Engine: Top 17.9% in tier
- + Wallet Share Momentum: Top 74.4% in tier
- + Credit Quality Leader: Top 77.6% in tier
- + Total Loans: Top 3.6% in tier
- + Total Deposits: Top 5.8% in tier
- + Total Assets: Top 6.9% in tier
- + Deposit Growth Rate: Top 7.2% in tier
- + Asset Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 19.5% in tier
- - Indirect Auto Dependency: Bottom 21.5% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 7.04% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,198
+4.8% YoY+2.0% QoQ
|
+11.6K |
15,628
-3.4% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
Top 10.2% in tier |
| Assets |
$428.6M
+11.2% YoY+0.2% QoQ
|
+$197.3M |
$231.3M
-0.0% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
Top 7.0% in tier |
| Loans |
$324.8M
+10.4% YoY+5.0% QoQ
|
+$177.0M |
$147.8M
-1.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
Top 3.7% in tier |
| Deposits |
$376.3M
+11.9% YoY-0.3% QoQ
|
+$176.0M |
$200.3M
-0.0% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
Top 5.8% in tier |
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| ROA |
0.5%
-18.1% YoY+19.1% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
35% |
| NIM |
3.4%
-4.8% YoY+1.8% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
84.3%
+1.5% YoY-1.1% QoQ
|
+7.0% |
77.3%
-3.0% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.3%
-17.9% YoY-60.3% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
86.3%
-1.4% YoY+5.4% QoQ
|
+13.6% |
72.7%
-1.5% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
78% |
| AMR |
$25,777
+6.1% YoY+0.1% QoQ
|
+$1K |
$24,363
+2.9% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
68% |
| CD Concentration |
36.6%
+12.4% YoY+1.0% QoQ
|
+12.2% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
16.8%
+6.8% YoY+12.6% QoQ
|
+2.8% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
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)