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 0.75% 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 0.26% below tier average
- - Efficiency ratio 9.46% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,056
+1.1% YoY+0.8% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$8.8M
+4.8% YoY+7.2% QoQ
|
$-21.0M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
30% |
| Loans |
$5.6M
-6.7% YoY-3.4% QoQ
|
$-10.1M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
37% |
| Deposits |
$8.0M
+4.9% YoY+7.8% QoQ
|
$-17.4M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
32% |
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| ROA |
0.4%
+14.6% YoY+27.6% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
33% |
| NIM |
4.7%
-1.5% YoY-1.3% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
79% |
| Efficiency Ratio |
90.9%
+5.6% YoY-0.6% QoQ
|
+9.5% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
1.3%
+8.5% YoY+82.8% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
70.1%
-11.1% YoY-10.4% QoQ
|
+8.9% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
63% |
| AMR |
$12,915
-1.3% YoY+2.1% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
45% |
| CD Concentration |
2.6%
-32.1% YoY-7.0% QoQ
|
-21.8% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
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)