BlastPoint's Credit Union Scorecard
FORT MORGAN SCHOOLS
Charter #10180 · CO
FORT MORGAN SCHOOLS has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.01% below tier average
- - Efficiency ratio 35.16% above tier (higher cost structure)
- - Member decline: -16.0% YoY
- - Share Certificate Concentration (%): Bottom 1.9% in tier
- - Member Growth Rate: Bottom 2.5% in tier
- - Net Interest Margin (NIM): Bottom 3.3% in tier
- - First Mortgage Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
440
-16.0% YoY-4.1% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
Bottom 12.2% in tier |
| Assets |
$5.2M
+1.3% YoY-0.4% QoQ
|
$-24.6M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$3.7M
-6.4% YoY-4.1% QoQ
|
$-12.1M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
28% |
| Deposits |
$4.4M
+1.9% YoY-0.0% QoQ
|
$-21.1M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
21% |
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| ROA |
-0.3%
-189.0% YoY-728.4% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.5% in tier |
| NIM |
1.9%
-18.0% YoY+6.6% QoQ
|
-2.0% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.3% in tier |
| Efficiency Ratio |
116.5%
+36.8% YoY+20.2% QoQ
|
+35.2% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
Top 4.8% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
83.8%
-8.2% YoY-4.1% QoQ
|
+22.6% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$18,372
+16.7% YoY+2.3% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
56.5%
+7.3% YoY+0.1% QoQ
|
+32.1% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
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)