BlastPoint's Credit Union Scorecard
COLORAMO
Charter #8725 · 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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| 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)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)