BlastPoint's Credit Union Scorecard

COLORAMO

Charter #8725 · CO

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

COLORAMO faces 4 concerns requiring attention

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Efficiency Drag: Bottom 50.0% in tier
  • - ROA 0.44% below tier average
  • - Efficiency ratio 4.48% 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 12,755
+1.4% YoY+0.1% QoQ
-2.7K 15,437
-2.9% YoY
37,842
+7.2% YoY
33,374
+5.7% YoY
46%
Assets $191.9M
+5.7% YoY+1.6% QoQ
$-39.9M $231.9M
+1.3% YoY
$688.6M
+9.4% YoY
$561.6M
+9.7% YoY
49%
Loans $137.4M
+1.3% YoY-0.4% QoQ
$-10.0M $147.3M
-0.1% YoY
$531.4M
+7.9% YoY
$397.0M
+8.8% YoY
56%
Deposits $168.3M
+4.0% YoY+1.6% QoQ
$-32.5M $200.8M
+0.8% YoY
$583.2M
+9.5% YoY
$477.3M
+9.7% YoY
49%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.3%
-49.7% YoY+32.9% QoQ
-0.4% 0.8%
+18.2% YoY
0.4%
-10.6% YoY
0.7%
+15.9% YoY
19%
NIM 3.3%
-0.5% YoY-0.1% QoQ
-0.3% 3.6%
+6.7% YoY
3.5%
+1.6% YoY
3.8%
+5.1% YoY
33%
Efficiency Ratio 81.5%
+5.6% YoY-0.7% QoQ
+4.5% 77.0%
-3.1% YoY
82.6%
+1.3% YoY
79.7%
-3.3% YoY
65%
Delinquency Rate 0.9%
-69.3% YoY+10.5% QoQ
+0.0 0.9%
+4.2% YoY
1.0%
+15.7% YoY
1.3%
-2.1% YoY
64%
Loan To Share 81.6%
-2.6% YoY-2.0% QoQ
+9.4% 72.2%
-1.1% YoY
72.0%
-2.4% YoY
67.4%
-1.7% YoY
68%
AMR $23,963
+1.3% YoY+0.6% QoQ
$-713 $24,676
+3.4% YoY
$23,202
+4.3% YoY
$19,687
+2.0% YoY
57%
CD Concentration 18.9%
-1.3% YoY+2.4% QoQ
-5.5% 24.4% 26.2% 19.8% 50%
Indirect Auto % 28.4%
+6.0% YoY+2.9% QoQ
+14.6% 13.8% 12.2% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Indirect Auto Dependency

risk
#241 of 506 • Bottom 50.0% in tier

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

Why This Signature
Asset Growth (YoY): 5.69%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 28.41%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 1.42%
(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

Efficiency Drag

risk
#415 of 538 • 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: 81.50%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): -0.32% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 1.42%
(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 | New qualifier

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 (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

892
Net Worth Ratio
risk
Value: 9.20%
Peer Median: -
#892 of 1069 Bottom 16.7% in 100M-500M tier
881
Indirect Auto Concentration (%)
balance_sheet
Value: 28.41%
Peer Median: -
#881 of 1069 Bottom 17.7% in 100M-500M tier
868
Return on Assets (ROA)
profitability
Value: 0.32%
Peer Median: -
#868 of 1069 Bottom 18.9% in 100M-500M tier
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