BlastPoint's Credit Union Scorecard
COLORADO
Charter #68443 · CO
COLORADO has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 2.6% in tier
- + Total Deposits: Top 4.5% in tier
- + Total Assets: Top 5.6% in tier
- + Total Members: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.50% below tier average
- - Efficiency ratio 12.46% 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 +3.3% year over year ($390M in shares and deposits).
- Membership: 27,639 members, +3.7% vs a year ago.
- Delinquency rate 0.42%.
- Return on assets 0.36%.
- Efficiency ratio 89.19% vs a 76.73% peer average.
- Loan-to-share ratio 87.46% 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 |
27,639
+3.7% YoY+1.2% QoQ
|
+12.5K |
15,168
-2.6% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
Top 8.4% in tier |
| Assets |
$442.2M
+3.4% YoY+0.6% QoQ
|
+$210.2M |
$232.0M
+0.7% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
Top 5.7% in tier |
| Loans |
$341.1M
+10.3% YoY+3.8% QoQ
|
+$194.8M |
$146.3M
+0.2% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
Top 2.7% in tier |
| Deposits |
$390.0M
+3.3% YoY+0.6% QoQ
|
+$189.3M |
$200.7M
+0.2% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
Top 4.6% in tier |
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| ROA |
0.4%
-20.2% YoY+46.3% QoQ
|
-0.5% |
0.9%
+12.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
19% |
| NIM |
3.4%
+2.0% YoY+4.6% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
33% |
| Efficiency Ratio |
89.2%
+4.6% YoY-2.9% QoQ
|
+12.5% |
76.7%
-0.8% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 13.3% in tier |
| Delinquency Rate |
0.4%
-48.2% YoY+22.1% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
87.5%
+6.8% YoY+3.2% QoQ
|
+15.9% |
71.5%
-0.3% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
81% |
| AMR |
$26,449
+2.7% YoY+0.9% QoQ
|
+$1K |
$25,107
+3.2% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
34.7%
-4.3% YoY+0.5% QoQ
|
+10.1% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % |
17.2%
+15.4% YoY+11.6% QoQ
|
+3.6% | 13.6% | 12.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)