BlastPoint's Credit Union Scorecard
ONE THIRTEEN
Charter #64340 · CO
ONE THIRTEEN has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.57% above tier average
- + Net Charge-Off Rate: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.14% below tier average
- - Efficiency ratio 17.50% above tier (higher cost structure)
- - Delinquency rate 0.71% above tier average
- - Member decline: -2.0% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Colorado.
- Shares and deposits +3.5% year over year ($7.7M in shares and deposits).
- Membership: 1,027 members, -2.0% vs a year ago.
- Delinquency rate 2.25%.
- Return on assets 0.35%.
- Efficiency ratio 106.26% vs a 88.77% peer average.
- Loan-to-share ratio 63.85% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,027
-2.0% YoY+1.1% QoQ
|
-1.6K |
2,585
-1.7% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
29% |
| Assets |
$8.5M
+3.5% YoY-1.2% QoQ
|
$-21.7M |
$30.3M
+1.5% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
28% |
| Loans |
$4.9M
-15.6% YoY-3.7% QoQ
|
$-10.5M |
$15.5M
-1.7% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
34% |
| Deposits |
$7.7M
+3.5% YoY-1.3% QoQ
|
$-18.1M |
$25.8M
+1.1% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
30% |
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| ROA |
0.3%
+4.0% YoY-371.4% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
4.5%
-5.7% YoY+0.1% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
75% |
| Efficiency Ratio |
106.3%
+16.3% YoY+4.0% QoQ
|
+17.5% |
88.8%
-6.9% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.8% in tier |
| Delinquency Rate |
2.3%
+208.2% YoY+75.0% QoQ
|
+0.7 |
1.5%
+2.1% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
63.8%
-18.5% YoY-2.4% QoQ
|
+5.0% |
58.9%
-3.1% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
58% |
| AMR |
$12,284
-2.9% YoY-3.3% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
40% |
| CD Concentration |
2.8%
-2.7% YoY+1.5% QoQ
|
-21.8% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.3% | 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)