BlastPoint's Credit Union Scorecard
ONE THIRTEEN
Charter #64340 · CO
ONE THIRTEEN has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.46% above tier average
- + Net Charge-Off Rate: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Efficiency ratio 11.59% above tier (higher cost structure)
- - Member decline: -2.6% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,016
-2.6% YoY-1.9% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
29% |
| Assets |
$8.6M
-0.8% YoY+4.6% QoQ
|
$-21.6M |
$30.2M
+1.3% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$5.1M
-12.3% YoY-5.0% QoQ
|
$-10.2M |
$15.3M
-2.0% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$7.8M
-1.3% YoY+5.0% QoQ
|
$-18.0M |
$25.8M
+0.7% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
31% |
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| ROA |
-0.1%
-131.0% YoY-129.3% QoQ
|
-0.3% |
0.1%
-77.6% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
4.5%
-8.1% YoY-5.1% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
102.2%
+16.8% YoY+12.1% QoQ
|
+11.6% |
90.6%
+6.5% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.9% in tier |
| Delinquency Rate |
1.3%
-36.4% YoY+5.5% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
70% |
| Loan To Share |
65.4%
-11.2% YoY-9.6% QoQ
|
+6.9% |
58.5%
-3.0% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
60% |
| AMR |
$12,698
-3.5% YoY+2.8% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
43% |
| CD Concentration |
2.7%
+2.1% YoY-4.5% QoQ
|
-21.6% | 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)