BlastPoint's Credit Union Scorecard
SCHOOL DISTRICT 3
Charter #13300 · CO
SCHOOL DISTRICT 3 has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.74% above tier average
- + Average Member Relationship (AMR): Top 4.5% in tier
- + Loan-to-Member Ratio (LMR): Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.1% YoY
- - First Mortgage Concentration (%): Bottom 1.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,590
-2.1% YoY-1.4% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
42% |
| Assets |
$36.4M
+1.1% YoY+2.8% QoQ
|
+$6.2M |
$30.2M
+1.3% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
66% |
| Loans |
$16.9M
-4.2% YoY-2.0% QoQ
|
+$1.6M |
$15.3M
-2.0% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
65% |
| Deposits |
$30.7M
+0.1% YoY+3.2% QoQ
|
+$4.9M |
$25.8M
+0.7% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
65% |
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| ROA |
0.9%
-18.4% YoY-0.9% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
64% |
| NIM |
3.0%
-7.7% YoY-7.7% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
18% |
| Efficiency Ratio |
71.1%
+5.0% YoY-4.1% QoQ
|
-19.5% |
90.6%
+6.5% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
27% |
| Delinquency Rate | 0.1% | -1.4 |
1.5%
+3.8% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
21% |
| Loan To Share |
55.0%
-4.3% YoY-5.1% QoQ
|
-3.5% |
58.5%
-3.0% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
45% |
| AMR |
$29,899
+0.6% YoY+2.7% QoQ
|
+$15K |
$14,884
-1.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
Top 4.5% in tier |
| CD Concentration |
21.9%
+9.5% YoY-2.4% QoQ
|
-2.4% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.4% | 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)