RIO BLANCO SCHOOLS
Charter #13161 | CO
<100M
(2596 CUs)
Micro
($0-$500M)
29 <100M in CO
RIO BLANCO SCHOOLS has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 4.5% in tier
- + Asset Growth Rate: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
776
+1.3% YoY0% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
Bottom 22.1% in tier |
| Assets |
$8.7M
+11.7% YoY+4.6% QoQ
|
$-21.1M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
29th in tier |
| Loans |
$4.3M
+3.0% YoY+3.2% QoQ
|
$-11.5M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
30th in tier |
| Deposits |
$7.2M
+13.6% YoY+5.3% QoQ
|
$-18.3M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
30th in tier |
| ROA |
0.7%
-23.7% YoY+84.4% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
48th in tier |
| NIM |
3.6%
-9.8% YoY-1.2% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
37th in tier |
| Efficiency Ratio |
80.7%
+5.2% YoY-9.9% QoQ
|
-0.7% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
56th in tier |
| Delinquency Rate |
0.1%
-73.5% YoY+1671.4% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 21.5% in tier |
| Loan To Share |
59.5%
-9.4% YoY-2.0% QoQ
|
-1.7% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
48th in tier |
| AMR |
$14,764
+8.0% YoY+4.5% QoQ
|
+$138 |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
56th in tier |
| CD Concentration |
38.7%
+25.4% YoY+2.3% QoQ
|
+14.3% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
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 (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
119
Deposit Growth Rate
growth
Value:
13.64%
Peer Avg: 16.80%
#119 of 2596
Top 4.5% in <100M tier
153
Asset Growth Rate
growth
Value:
11.67%
Peer Avg: 1.82%
#153 of 2596
Top 5.9% in <100M tier
363
AMR Growth Rate
growth
Value:
8.02%
Peer Avg: 4.67%
#363 of 2596
Top 13.9% in <100M tier
550
Member Growth Rate
growth
Value:
1.31%
Peer Avg: 14.92%
#550 of 2596
Top 21.1% in <100M tier
559
Total Delinquency Rate (60+ days)
risk
Value:
0.11%
Peer Avg: 1.51%
#559 of 2596
Top 21.5% in <100M tier
Top Weaknesses (3 metrics)
2381
Share Certificate Concentration (%)
balance_sheet
Value:
38.73%
Peer Avg: 15.37%
#2381 of 2596
Bottom 8.3% in <100M tier
2218
Members Per Employee (MPE)
engagement
Value:
194.000
Peer Avg: 365.701
#2218 of 2596
Bottom 14.6% in <100M tier
2021
Total Members
engagement
Value:
776
Peer Avg: 2,626
#2021 of 2596
Bottom 22.2% in <100M tier