BlastPoint's Credit Union Scorecard

RED ROCKS

Charter #68560 · CO

100M-500M

1070 CUs in 100M-500M nationally 26 in CO

RED ROCKS has 4 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 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Total Loans: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.48% below tier average
- Efficiency ratio 14.52% 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	18,210 +2.4% YoY+0.7% QoQ	+3.1K	15,145 -2.5% YoY	45,987 +29.5% YoY	33,913 +5.7% YoY	70%
Assets	$354.4M +4.5% YoY+1.1% QoQ	+$122.7M	$231.7M +0.8% YoY	$896.2M +38.1% YoY	$578.3M +9.0% YoY	82%
Loans	$272.9M +4.4% YoY+0.6% QoQ	+$128.7M	$144.1M +0.2% YoY	$687.4M +35.9% YoY	$402.4M +8.7% YoY	Top 9.2% in tier
Deposits	$301.7M +5.5% YoY+1.8% QoQ	+$100.6M	$201.1M +0.4% YoY	$753.9M +36.7% YoY	$494.3M +9.1% YoY	81%

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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	0.2% +7.0% YoY+112.3% QoQ	-0.5%	0.7% +5.1% YoY	0.5% +3.7% YoY	0.4% -39.2% YoY	19%
NIM	3.5% +3.9% YoY-1.7% QoQ	-0.2%	3.6% +4.6% YoY	3.5% +0.5% YoY	3.8% +4.1% YoY	39%
Efficiency Ratio	92.5% +6.4% YoY+2.0% QoQ	+14.5%	78.0% -1.7% YoY	80.2% -2.9% YoY	84.6% +2.8% YoY	Bottom 10.4% in tier
Delinquency Rate	0.6% -24.5% YoY-16.5% QoQ	-0.2	0.8% +7.1% YoY	1.0% +37.3% YoY	1.2% +3.4% YoY	48%
Loan To Share	90.4% -1.1% YoY-1.2% QoQ	+20.0%	70.4% -0.4% YoY	71.5% -0.6% YoY	65.6% -1.4% YoY	Top 11.0% in tier
AMR	$31,552 +2.4% YoY+0.5% QoQ	+$7K	$24,918 +2.7% YoY	$24,339 +6.3% YoY	$19,920 +1.6% YoY	85%
CD Concentration	33.8% +15.2% YoY+3.1% QoQ	+9.6%	24.3%	26.7%	19.8%	50%
Indirect Auto %	5.0% -16.8% YoY-4.7% QoQ	-8.8%	13.8%	12.4%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#196 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.44%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 4.98%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Relationship Depth Leader

growth

#215 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.45%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $2.9K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Organic Growth Engine

growth

#318 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.44%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.25%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 4.98%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (2)

Efficiency Drag

risk

#24 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 92.54%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.02% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 2.44%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Liquidity Strain

risk

#170 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.45%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 4.35%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (7 metrics)

Total Loans

balance_sheet

Value: $272.87M

Peer Median: $121.41M

#98 of 1070 Top 9.1% in 100M-500M tier

118

Loan-to-Share Ratio

balance_sheet

Value: 90.45%

Peer Median: 71.88%

#118 of 1070 Top 10.9% in 100M-500M tier

120

Loan-to-Member Ratio (LMR)

engagement

Value: $14,985

Peer Median: $9,356

#120 of 1070 Top 11.1% in 100M-500M tier

163

Average Member Relationship (AMR)

engagement

Value: $31,552

Peer Median: $22,931

#163 of 1070 Top 15.1% in 100M-500M tier

189

Total Assets

balance_sheet

Value: $354.43M

Peer Median: $196.57M

#189 of 1070 Top 17.6% in 100M-500M tier

201

Total Deposits

balance_sheet

Value: $301.70M

Peer Median: $171.29M

#201 of 1070 Top 18.7% in 100M-500M tier

253

Member Growth Rate

growth

Value: 2.44%

Peer Median: -0.06%

#253 of 1070 Top 23.6% in 100M-500M tier

Top Weaknesses (4 metrics)

960

Efficiency Ratio

profitability

Value: 92.54%

Peer Median: 78.68%

#960 of 1070 Bottom 10.4% in 100M-500M tier

913

Net Worth Ratio

risk

Value: 9.07%

Peer Median: 11.45%

#913 of 1070 Bottom 14.8% in 100M-500M tier

880

Share Certificate Concentration (%)

balance_sheet

Value: 33.84%

Peer Median: 23.10%

#880 of 1070 Bottom 17.9% in 100M-500M tier

863

Return on Assets (ROA)

profitability

Value: 0.25%

Peer Median: 0.69%

#863 of 1070 Bottom 19.4% in 100M-500M tier