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 0.59% below tier average
- - Efficiency ratio 10.28% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 26 that size in Colorado.
- Shares and deposits +4.6% year over year ($172M in shares and deposits).
- Membership: 12,818 members, +1.3% vs a year ago.
- Delinquency rate 0.64%.
- Return on assets 0.27%.
- Efficiency ratio 87.01% vs a 76.73% peer average.
- Loan-to-share ratio 77.11% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,818
+1.3% YoY+0.4% QoQ
|
-2.4K |
15,168
-2.6% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$196.3M
+6.3% YoY+0.8% QoQ
|
$-35.7M |
$232.0M
+0.7% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$133.0M
-2.4% YoY-1.9% QoQ
|
$-13.3M |
$146.3M
+0.2% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
54% |
| Deposits |
$172.5M
+4.6% YoY+0.8% QoQ
|
$-28.3M |
$200.7M
+0.2% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
51% |
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| ROA |
0.3%
-587.3% YoY-269.2% QoQ
|
-0.6% |
0.9%
+12.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 12.4% in tier |
| NIM |
3.3%
+1.5% YoY-1.0% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
26% |
| Efficiency Ratio |
87.0%
+6.3% YoY-11.7% QoQ
|
+10.3% |
76.7%
-0.8% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
82% |
| Delinquency Rate |
0.6%
-68.3% YoY-33.9% QoQ
|
-0.2 |
0.9%
+6.6% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
46% |
| Loan To Share |
77.1%
-6.7% YoY-2.6% QoQ
|
+5.6% |
71.5%
-0.3% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
58% |
| AMR |
$23,829
+0.1% YoY-0.8% QoQ
|
$-1K |
$25,107
+3.2% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
54% |
| CD Concentration |
18.9%
+4.4% YoY-0.4% QoQ
|
-5.6% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % |
29.3%
+12.4% YoY+3.4% QoQ
|
+15.7% | 13.6% | 12.3% | 7.7% | 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)