FITZSIMONS

Charter #10572 | CO

100M-500M (1077 CUs) Micro
26 100M-500M in CO

FITZSIMONS has 2 strengths but faces 15 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.61% above tier average
  • + Loan-to-Share Ratio: Top 9.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.0% in tier
  • - Deposit Outflow: Bottom 6.8% in tier
  • - Capital Constraint: Bottom 9.2% in tier
  • - Shrinking Wallet Share: Bottom 10.5% in tier
  • - Efficiency Drag: Bottom 24.5% in tier
  • - Liquidity Strain: Bottom 25.7% in tier
  • - Indirect Auto Dependency: Bottom 26.6% in tier
  • - Liquidity Overhang: Bottom 28.1% in tier
  • - ROA 0.98% below tier average
  • - Efficiency ratio 5.30% above tier (higher cost structure)
  • - Delinquency rate 1.14% above tier average
  • - Deposit Growth Rate: Bottom 6.2% in tier
  • - Total Delinquency Rate (60+ days): Bottom 7.0% in tier
  • - AMR Growth Rate: Bottom 7.5% in tier
  • - Asset Growth Rate: Bottom 8.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 13,773
+1.3% YoY-3.9% QoQ
 -1.9K 15,628
-3.4% YoY
 38,063
+8.0% YoY
 33,089
+6.1% YoY
 51st in tier
Assets $210.3M
-2.5% YoY-1.3% QoQ
 $-21.0M $231.3M
-0.0% YoY
 $678.0M
+7.3% YoY
 $547.7M
+7.8% YoY
 53rd in tier
Loans $159.5M
-0.8% YoY-1.5% QoQ
 +$11.7M $147.8M
-1.4% YoY
 $529.4M
+8.0% YoY
 $388.7M
+8.6% YoY
 64th in tier
Deposits $170.0M
-3.1% YoY-1.6% QoQ
 $-30.3M $200.3M
-0.0% YoY
 $571.8M
+9.1% YoY
 $464.6M
+9.3% YoY
 49th in tier
ROA -0.2%
-135.1% YoY-35.0% QoQ
 -1.0% 0.8%
+15.5% YoY
 0.5%
+8.5% YoY
 0.7%
+273.4% YoY
 Bottom 4.5% in tier
NIM 4.2%
+10.6% YoY+2.4% QoQ
 +0.6% 3.6%
+6.9% YoY
 3.6%
+3.7% YoY
 3.7%
+5.0% YoY
 Top 16.7% in tier
Efficiency Ratio 82.6%
-0.3% YoY-1.5% QoQ
 +5.3% 77.3%
-3.0% YoY
 80.6%
-2.6% YoY
 79.1%
-3.3% YoY
 69th in tier
Delinquency Rate 2.0%
+148.0% YoY-5.4% QoQ
 +1.1 0.9%
+7.6% YoY
 0.9%
+6.2% YoY
 1.2%
-0.9% YoY
 Top 7.0% in tier
Loan To Share 93.9%
+2.4% YoY+0.2% QoQ
 +21.2% 72.7%
-1.5% YoY
 72.9%
-3.4% YoY
 68.0%
-1.7% YoY
 Top 9.1% in tier
AMR $23,923
-3.3% YoY+2.4% QoQ
 $-440 $24,363
+2.9% YoY
 $22,866
+4.1% YoY
 $19,418
+1.3% YoY
 60th in tier
CD Concentration 19.5%
+1.8% YoY+4.3% QoQ
 -4.9% 24.4%
+4.2% YoY
 26.3%
+7.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 33.6%
+1.3% YoY-1.3% QoQ
 +19.6% 14.0%
-5.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Credit Quality Pressure

risk
#26 of 736 • Bottom 1.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 1.19% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Deposit Outflow

decline
#41 of 114 • Bottom 6.8% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -3.11%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $210.26M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Capital Constraint

risk
#9 of 18 • Bottom 9.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature
Loan-to-Share Ratio: 93.87%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -3.11%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 14.18%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
18 of 1077 Community CUs have this signature | 29 nationally
↓ Shrinking -33 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#106 of 244 • Bottom 10.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -3.30%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Efficiency Drag

risk
#433 of 521 • Bottom 24.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 82.58%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.75% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 1.32%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Strain

risk
#200 of 258 • Bottom 25.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.87%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -0.82%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#428 of 525 • Bottom 26.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -2.50%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 33.58%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.32%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Overhang

risk
#436 of 552 • Bottom 28.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.18%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 93.87%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

98
Loan-to-Share Ratio
balance_sheet
Value: 93.87%
Peer Avg: 72.70%
#98 of 1077 Top 9.0% in 100M-500M tier
180
Net Interest Margin (NIM)
profitability
Value: 4.20%
Peer Avg: 3.58%
#180 of 1077 Top 16.6% in 100M-500M tier
217
Net Worth Ratio
risk
Value: 14.18%
Peer Avg: 12.15%
#217 of 1077 Top 20.1% in 100M-500M tier

Top Weaknesses (7 metrics)

1029
Return on Assets (ROA)
profitability
Value: -0.20%
Peer Avg: 0.79%
#1029 of 1077 Bottom 4.5% in 100M-500M tier
1011
Deposit Growth Rate
growth
Value: -3.11%
Peer Avg: 4.69%
#1011 of 1077 Bottom 6.2% in 100M-500M tier
1003
Total Delinquency Rate (60+ days)
risk
Value: 2.00%
Peer Avg: 0.86%
#1003 of 1077 Bottom 7.0% in 100M-500M tier
997
AMR Growth Rate
growth
Value: -3.30%
Peer Avg: 3.64%
#997 of 1077 Bottom 7.5% in 100M-500M tier
990
Asset Growth Rate
growth
Value: -2.50%
Peer Avg: 4.70%
#990 of 1077 Bottom 8.2% in 100M-500M tier
935
Indirect Auto Concentration (%)
balance_sheet
Value: 33.58%
Peer Avg: 13.34%
#935 of 1077 Bottom 13.3% in 100M-500M tier
870
Net Charge-Off Rate
risk
Value: 0.71%
Peer Avg: 0.47%
#870 of 1077 Bottom 19.3% in 100M-500M tier