BlastPoint's Credit Union Scorecard
ONE THIRTEEN
Charter #64340 · CO
ONE THIRTEEN has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.76% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Efficiency ratio 8.64% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,036
+0.2% YoY-1.9% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$8.3M
-2.6% YoY-6.6% QoQ
|
$-21.9M |
$30.1M
+2.1% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$5.4M
-10.8% YoY-4.4% QoQ
|
$-10.4M |
$15.8M
-1.3% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$7.4M
-3.4% YoY-7.4% QoQ
|
$-18.3M |
$25.7M
+1.4% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
0.4%
+11.8% YoY+2.5% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
4.7%
-3.3% YoY+0.5% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
91.2%
+6.1% YoY+0.4% QoQ
|
+8.6% |
82.6%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
77% |
| Delinquency Rate |
1.2%
+37.9% YoY-8.7% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
72.4%
-7.6% YoY+3.2% QoQ
|
+11.7% |
60.6%
-3.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$12,354
-6.8% YoY-4.3% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
2.8%
+0.9% YoY+7.8% QoQ
|
-21.6% | 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)