BlastPoint's Credit Union Scorecard
FORT MORGAN SCHOOLS
Charter #10180 · CO
FORT MORGAN SCHOOLS has 1 strength but faces 6 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 1.32% below tier average
- - Efficiency ratio 20.72% above tier (higher cost structure)
- - Member decline: -3.1% YoY
- - Share Certificate Concentration (%): Bottom 1.8% in tier
- - Net Interest Margin (NIM): Bottom 2.5% in tier
- - First Mortgage Concentration (%): Bottom 8.9% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Colorado.
- Shares and deposits +8.8% year over year ($4.8M in shares and deposits).
- Membership: 445 members, -3.1% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.17%.
- Efficiency ratio 109.48% vs a 88.77% peer average.
- Loan-to-share ratio 70.15% vs a 58.89% 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 |
445
-3.1% YoY0% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
Bottom 12.2% in tier |
| Assets |
$5.6M
+7.0% YoY+4.6% QoQ
|
$-24.7M |
$30.3M
+1.5% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$3.4M
-12.7% YoY-3.3% QoQ
|
$-12.1M |
$15.5M
-1.7% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
26% |
| Deposits |
$4.8M
+8.8% YoY+5.3% QoQ
|
$-21.0M |
$25.8M
+1.1% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
22% |
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| ROA |
0.2%
+234.7% YoY-113.2% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 11.0% in tier |
| NIM |
1.8%
-1.1% YoY-41.1% QoQ
|
-2.1% |
3.9%
+0.9% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.5% in tier |
| Efficiency Ratio |
109.5%
+12.9% YoY+32.8% QoQ
|
+20.7% |
88.8%
-6.9% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.4% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
70.1%
-19.7% YoY-8.1% QoQ
|
+11.3% |
58.9%
-3.1% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$18,292
+1.9% YoY+1.6% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
57.5%
+1.9% YoY-1.4% QoQ
|
+33.0% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.3% | 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)