BlastPoint's Credit Union Scorecard
FIDELIS CATHOLIC
Charter #9810 · CO
FIDELIS CATHOLIC has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 78.7% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 2.5% in tier
- + Loan-to-Member Ratio (LMR): Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.8% in tier
- - Efficiency Drag: Bottom 50.1% in tier
- - ROA 0.63% below tier average
- - Efficiency ratio 7.33% above tier (higher cost structure)
- - Delinquency rate 2.08% above tier average
- - Members Per Employee (MPE): Bottom 1.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.2% in tier
- - Total Members: Bottom 2.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,613
+0.3% YoY-0.1% QoQ
|
-10.8K |
15,437
-2.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
Bottom 2.4% in tier |
| Assets |
$153.0M
+7.1% YoY+3.9% QoQ
|
$-78.8M |
$231.9M
+1.3% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$89.6M
-3.4% YoY-3.2% QoQ
|
$-57.8M |
$147.3M
-0.1% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$138.8M
+7.7% YoY+4.8% QoQ
|
$-62.0M |
$200.8M
+0.8% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
35% |
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| ROA |
0.1%
-81.5% YoY-73.0% QoQ
|
-0.6% |
0.8%
+18.2% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.2% in tier |
| NIM |
2.9%
+3.1% YoY-0.5% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.3% in tier |
| Efficiency Ratio |
84.3%
+13.4% YoY+6.5% QoQ
|
+7.3% |
77.0%
-3.1% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
3.0%
+223.5% YoY+0.6% QoQ
|
+2.1 |
0.9%
+4.2% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Top 2.2% in tier |
| Loan To Share |
64.5%
-10.3% YoY-7.6% QoQ
|
-7.7% |
72.2%
-1.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$49,507
+2.8% YoY+1.6% QoQ
|
+$25K |
$24,676
+3.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
Top 2.6% in tier |
| CD Concentration |
34.8%
+8.6% YoY-2.7% QoQ
|
+10.3% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)