BlastPoint's Credit Union Scorecard

COLORADO

Charter #68443 · CO

1069 CUs in 100M-500M nationally 26 in CO

COLORADO has 6 strengths but faces 4 concerns

National Analysis

How does the industry compare?
CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 23.8% in tier
  • + Organic Growth Engine: Top 58.8% in tier
  • + Total Loans: Top 3.3% in tier
  • + Total Deposits: Top 5.8% in tier
  • + Total Assets: Top 6.4% in tier
  • + Total Members: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 43.0% in tier
  • - Indirect Auto Dependency: Bottom 81.2% in tier
  • - ROA 0.24% below tier average
  • - Efficiency ratio 8.15% 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 26,867
+4.5% YoY-1.2% QoQ
 +11.4K 15,437
-2.9% YoY
 37,842
+7.2% YoY
 33,374
+5.7% YoY
 Top 10.0% in tier
Assets $431.8M
+8.5% YoY+0.7% QoQ
 +$199.9M $231.9M
+1.3% YoY
 $688.6M
+9.4% YoY
 $561.6M
+9.7% YoY
 Top 6.5% in tier
Loans $327.6M
+9.7% YoY+0.9% QoQ
 +$180.3M $147.3M
-0.1% YoY
 $531.4M
+7.9% YoY
 $397.0M
+8.8% YoY
 Top 3.4% in tier
Deposits $378.7M
+8.4% YoY+0.7% QoQ
 +$177.9M $200.8M
+0.8% YoY
 $583.2M
+9.5% YoY
 $477.3M
+9.7% YoY
 Top 5.9% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.5%
-8.6% YoY-3.8% QoQ
 -0.2% 0.8%
+18.2% YoY
 0.4%
-10.6% YoY
 0.7%
+15.9% YoY
 33%
NIM 3.4%
-2.6% YoY+0.4% QoQ
 -0.2% 3.6%
+6.7% YoY
 3.5%
+1.6% YoY
 3.8%
+5.1% YoY
 37%
Efficiency Ratio 85.2%
+1.6% YoY+1.0% QoQ
 +8.1% 77.0%
-3.1% YoY
 82.6%
+1.3% YoY
 79.7%
-3.3% YoY
 79%
Delinquency Rate 0.4%
-22.6% YoY+9.1% QoQ
 -0.5 0.9%
+4.2% YoY
 1.0%
+15.7% YoY
 1.3%
-2.1% YoY
 20%
Loan To Share 86.5%
+1.2% YoY+0.2% QoQ
 +14.3% 72.2%
-1.1% YoY
 72.0%
-2.4% YoY
 67.4%
-1.7% YoY
 78%
AMR $26,292
+4.3% YoY+2.0% QoQ
 +$2K $24,676
+3.4% YoY
 $23,202
+4.3% YoY
 $19,687
+2.0% YoY
 69%
CD Concentration 35.4%
+1.3% YoY-3.3% QoQ
 +11.0% 24.4% 26.2% 19.8% 50%
Indirect Auto % 16.1%
+4.8% YoY-4.0% QoQ
 +2.3% 13.8% 12.2% 7.8% 50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#102 of 426 • Top 23.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.50%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 16.09%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth
#350 of 595 • Top 58.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.50%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.52%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 16.09%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Efficiency Drag

risk
#232 of 538 • Bottom 43.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 85.16%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): -0.05% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 4.50%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#411 of 506 • Bottom 81.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 8.50%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 16.09%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 4.50%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | Rank improving

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)

Comparing against 1069 peers in tier

Top Strengths (12 metrics)

36
Total Loans
balance_sheet
Value: $327.65M
Peer Median: -
#36 of 1069 Top 3.3% in 100M-500M tier
63
Total Deposits
balance_sheet
Value: $378.74M
Peer Median: -
#63 of 1069 Top 5.8% in 100M-500M tier
69
Total Assets
balance_sheet
Value: $431.77M
Peer Median: -
#69 of 1069 Top 6.4% in 100M-500M tier
107
Total Members
engagement
Value: 26,867
Peer Median: -
#107 of 1069 Top 9.9% in 100M-500M tier
121
Member Growth Rate
growth
Value: 4.50%
Peer Median: -
#121 of 1069 Top 11.2% in 100M-500M tier
179
Loan Growth Rate
growth
Value: 9.74%
Peer Median: -
#179 of 1069 Top 16.7% in 100M-500M tier
195
Deposit Growth Rate
growth
Value: 8.41%
Peer Median: -
#195 of 1069 Top 18.1% in 100M-500M tier
215
Asset Growth Rate
growth
Value: 8.50%
Peer Median: -
#215 of 1069 Top 20.0% in 100M-500M tier
215
Total Delinquency Rate (60+ days)
risk
Value: 0.35%
Peer Median: -
#215 of 1069 Top 20.0% in 100M-500M tier
229
Net Charge-Off Rate
risk
Value: 0.15%
Peer Median: -
#229 of 1069 Top 21.3% in 100M-500M tier

Top Weaknesses (2 metrics)

925
Share Certificate Concentration (%)
balance_sheet
Value: 35.43%
Peer Median: -
#925 of 1069 Bottom 13.6% in 100M-500M tier
842
Efficiency Ratio
profitability
Value: 85.16%
Peer Median: -
#842 of 1069 Bottom 21.3% in 100M-500M tier
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