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 3.1% in tier
- + Total Deposits: Top 4.9% in tier
- + Total Assets: Top 5.4% in tier
- + Total Members: Top 9.0% 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 0.48% below tier average
- - Efficiency ratio 13.82% 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 |
27,309
+4.4% YoY+1.6% QoQ
|
+12.2K |
15,145
-2.5% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
Top 9.1% in tier |
| Assets |
$439.5M
+4.8% YoY+1.8% QoQ
|
+$207.8M |
$231.7M
+0.8% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
Top 5.5% in tier |
| Loans |
$328.5M
+8.2% YoY+0.2% QoQ
|
+$184.3M |
$144.1M
+0.2% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
Top 3.2% in tier |
| Deposits |
$387.5M
+5.0% YoY+2.3% QoQ
|
+$186.4M |
$201.1M
+0.4% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
Top 5.0% in tier |
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| ROA |
0.2%
-39.2% YoY-52.4% QoQ
|
-0.5% |
0.7%
+5.1% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
3.3%
-3.2% YoY-4.5% QoQ
|
-0.4% |
3.6%
+4.6% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
28% |
| Efficiency Ratio |
91.8%
+5.2% YoY+7.8% QoQ
|
+13.8% |
78.0%
-1.7% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 11.7% in tier |
| Delinquency Rate |
0.3%
-36.7% YoY-2.2% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
84.8%
+3.0% YoY-2.0% QoQ
|
+14.3% |
70.4%
-0.4% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$26,217
+2.0% YoY-0.3% QoQ
|
+$1K |
$24,918
+2.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
68% |
| CD Concentration |
34.5%
-0.1% YoY-2.5% QoQ
|
+10.3% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % |
15.4%
+3.8% YoY-4.3% QoQ
|
+1.6% | 13.8% | 12.4% | 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)