BlastPoint's Credit Union Scorecard
SCHOOL DISTRICT 3
Charter #13300 · CO
SCHOOL DISTRICT 3 has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.27% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 4.9% in tier
- + Loan-to-Member Ratio (LMR): Top 6.5% in tier
- + Net Charge-Off Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 1.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,612
-0.7% YoY-0.8% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$35.4M
+2.8% YoY-0.7% QoQ
|
+$5.2M |
$30.1M
+2.1% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
65% |
| Loans |
$17.2M
-4.8% YoY-1.9% QoQ
|
+$1.5M |
$15.8M
-1.3% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
65% |
| Deposits |
$29.7M
+1.9% YoY-1.1% QoQ
|
+$4.0M |
$25.7M
+1.4% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
65% |
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| ROA |
0.9%
-12.1% YoY-11.7% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
60% |
| NIM |
3.2%
+1.1% YoY+0.1% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
25% |
| Efficiency Ratio |
74.2%
+9.6% YoY+4.7% QoQ
|
-8.4% |
82.6%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.0%
-3.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.3% in tier |
| Loan To Share |
58.0%
-6.6% YoY-0.8% QoQ
|
-2.6% |
60.6%
-3.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$29,109
+0.1% YoY-0.6% QoQ
|
+$14K |
$14,783
-1.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
Top 4.9% in tier |
| CD Concentration |
22.4%
+14.1% YoY+6.3% QoQ
|
-2.0% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 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)