BlastPoint's Credit Union Scorecard
COLORAMO
Charter #8725 · CO
COLORAMO faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.89% below tier average
- - Efficiency ratio 20.57% above tier (higher cost structure)
- - Delinquency rate 0.19% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,770
+1.2% YoY+0.1% QoQ
|
-2.4K |
15,145
-2.5% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
48% |
| Assets |
$194.7M
+5.5% YoY+1.5% QoQ
|
$-37.0M |
$231.7M
+0.8% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$135.5M
+0.3% YoY-1.3% QoQ
|
$-8.6M |
$144.1M
+0.2% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
56% |
| Deposits |
$171.1M
+3.7% YoY+1.7% QoQ
|
$-30.0M |
$201.1M
+0.4% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
50% |
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| ROA |
-0.2%
-80.3% YoY-150.0% QoQ
|
-0.9% |
0.7%
+5.1% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.2% in tier |
| NIM |
3.3%
+9.2% YoY-0.1% QoQ
|
-0.3% |
3.6%
+4.6% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
31% |
| Efficiency Ratio |
98.6%
+16.4% YoY+21.0% QoQ
|
+20.6% |
78.0%
-1.7% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.6% in tier |
| Delinquency Rate |
1.0%
-61.6% YoY+6.1% QoQ
|
+0.2 |
0.8%
+7.1% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
74% |
| Loan To Share |
79.2%
-3.3% YoY-3.0% QoQ
|
+8.8% |
70.4%
-0.4% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
66% |
| AMR |
$24,013
+0.9% YoY+0.2% QoQ
|
$-906 |
$24,918
+2.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
19.0%
-5.2% YoY+0.7% QoQ
|
-5.3% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % |
28.4%
+8.4% YoY-0.2% QoQ
|
+14.6% | 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)