BlastPoint's Credit Union Scorecard
FIDELIS CATHOLIC
Charter #9810 · CO
FIDELIS CATHOLIC has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Average Member Relationship (AMR): Top 2.8% in tier
- + Loan-to-Member Ratio (LMR): Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 2.92% below tier average
- - Efficiency ratio 19.55% above tier (higher cost structure)
- - Delinquency rate 0.73% above tier average
- - Net Charge-Off Rate: Bottom 0.5% in tier
- - Members Per Employee (MPE): Bottom 1.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,617
+0.9% YoY+0.1% QoQ
|
-10.5K |
15,145
-2.5% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
Bottom 2.7% in tier |
| Assets |
$151.6M
+1.9% YoY-1.0% QoQ
|
$-80.1M |
$231.7M
+0.8% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
31% |
| Loans |
$87.7M
-5.3% YoY-2.1% QoQ
|
$-56.4M |
$144.1M
+0.2% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
29% |
| Deposits |
$138.0M
+2.7% YoY-0.6% QoQ
|
$-63.1M |
$201.1M
+0.4% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
35% |
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| ROA |
-2.2%
-643.5% YoY-1735.2% QoQ
|
-2.9% |
0.7%
+5.1% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.4% in tier |
| NIM |
2.9%
-0.2% YoY-0.2% QoQ
|
-0.7% |
3.6%
+4.6% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 11.3% in tier |
| Efficiency Ratio |
97.6%
+12.6% YoY+15.7% QoQ
|
+19.5% |
78.0%
-1.7% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.2% in tier |
| Delinquency Rate |
1.5%
+22.7% YoY-49.5% QoQ
|
+0.7 |
0.8%
+7.1% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.8% in tier |
| Loan To Share |
63.6%
-7.7% YoY-1.5% QoQ
|
-6.9% |
70.4%
-0.4% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$48,889
-1.4% YoY-1.2% QoQ
|
+$24K |
$24,918
+2.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
Top 2.9% in tier |
| CD Concentration |
35.1%
+5.5% YoY+1.1% QoQ
|
+10.9% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)