BlastPoint's Credit Union Scorecard
FORT MORGAN SCHOOLS
Charter #10180 · CO
FORT MORGAN SCHOOLS has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.47% below tier average
- - Member decline: -13.8% YoY
- - Share Certificate Concentration (%): Bottom 1.8% in tier
- - Member Growth Rate: Bottom 3.5% in tier
- - First Mortgage Concentration (%): Bottom 8.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
445
-13.8% YoY+0.5% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
Bottom 12.2% in tier |
| Assets |
$5.4M
-2.0% YoY+1.9% QoQ
|
$-24.8M |
$30.2M
+1.3% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$3.5M
-10.7% YoY-3.1% QoQ
|
$-11.8M |
$15.3M
-2.0% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
26% |
| Deposits |
$4.5M
-2.2% YoY+2.4% QoQ
|
$-21.2M |
$25.8M
+0.7% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
21% |
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| ROA |
-1.3%
+32.9% YoY+431.1% QoQ
|
-1.5% |
0.1%
-77.6% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.0% in tier |
| NIM |
3.0%
+80.6% YoY+49.4% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
20% |
| Efficiency Ratio |
82.4%
-53.0% YoY-20.7% QoQ
|
-8.2% |
90.6%
+6.5% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
52% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
76.3%
-8.7% YoY-5.4% QoQ
|
+17.8% |
58.5%
-3.0% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$18,011
+8.9% YoY-0.5% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
70% |
| CD Concentration |
58.3%
+6.1% YoY+2.3% QoQ
|
+34.0% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)