FIDELIS CATHOLIC
Charter #9810 | CO
100M-500M
(1077 CUs)
Micro
($0-$500M)
26 100M-500M in CO
FIDELIS CATHOLIC has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 21.8% in tier
- + Relationship Depth Leader: Top 23.6% in tier
- + Organic Growth Engine: Top 29.2% in tier
- + Organic Growth Leader: Top 32.6% in tier
- + Wallet Share Momentum: Top 34.5% 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 3.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.4% in tier
- - ROA 0.29% below tier average
- - Efficiency ratio 1.96% above tier (higher cost structure)
- - Delinquency rate 2.10% above tier average
- - Members Per Employee (MPE): Bottom 1.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.3% in tier
- - Total Members: Bottom 2.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,619
+0.5% YoY+0.3% QoQ
|
-11.0K |
15,628
-3.4% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
Bottom 2.3% in tier |
| Assets |
$147.3M
+3.2% YoY-0.6% QoQ
|
$-84.0M |
$231.3M
-0.0% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
30th in tier |
| Loans |
$92.5M
-0.4% YoY+0.7% QoQ
|
$-55.3M |
$147.8M
-1.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
30th in tier |
| Deposits |
$132.5M
+3.1% YoY-0.9% QoQ
|
$-67.8M |
$200.3M
-0.0% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
32nd in tier |
| ROA |
0.5%
-33.8% YoY+24.5% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
32nd in tier |
| NIM |
2.9%
+5.0% YoY+1.6% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 16.5% in tier |
| Efficiency Ratio |
79.2%
+7.7% YoY-4.8% QoQ
|
+2.0% |
77.3%
-3.0% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
58th in tier |
| Delinquency Rate |
3.0%
+161.5% YoY+37.0% QoQ
|
+2.1 |
0.9%
+7.6% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
Top 2.3% in tier |
| Loan To Share |
69.8%
-3.4% YoY+1.6% QoQ
|
-2.9% |
72.7%
-1.5% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
40th in tier |
| AMR |
$48,711
+1.1% YoY-0.6% QoQ
|
+$24K |
$24,363
+2.9% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
Top 2.6% in tier |
| CD Concentration |
35.7%
+22.2% YoY+2.8% QoQ
|
+11.3% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Emerging Performer
growth
#409 of 627 • Top 21.8% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.50%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
0.50%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#652 of 1006 • Top 23.6% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
1.15%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$3.6K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Organic Growth Engine
growth
#536 of 603 • Top 29.2% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
0.50%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.50%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Organic Growth Leader
growth
#430 of 430 • Top 32.6% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
0.50%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#951 of 1006 • Top 34.5% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
1.15%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (1)
Credit Quality Pressure
risk
#11 of 736 • Bottom 0.4% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
1.83% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
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)
Top Strengths (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
28
Average Member Relationship (AMR)
engagement
Value:
$48,711
Peer Avg: $24,363
#28 of 1077
Top 2.5% in 100M-500M tier
41
Loan-to-Member Ratio (LMR)
engagement
Value:
$20,027
Peer Avg: $10,245
#41 of 1077
Top 3.7% in 100M-500M tier
Top Weaknesses (6 metrics)
1066
Members Per Employee (MPE)
engagement
Value:
171.074
Peer Avg: 332.881
#1066 of 1077
Bottom 1.1% in 100M-500M tier
1053
Total Delinquency Rate (60+ days)
risk
Value:
2.96%
Peer Avg: 0.86%
#1053 of 1077
Bottom 2.3% in 100M-500M tier
1052
Total Members
engagement
Value:
4,619
Peer Avg: 15,628
#1052 of 1077
Bottom 2.4% in 100M-500M tier
930
Share Certificate Concentration (%)
balance_sheet
Value:
35.71%
Peer Avg: 23.61%
#930 of 1077
Bottom 13.7% in 100M-500M tier
899
Net Interest Margin (NIM)
profitability
Value:
2.91%
Peer Avg: 3.58%
#899 of 1077
Bottom 16.6% in 100M-500M tier
844
Net Worth Ratio
risk
Value:
9.58%
Peer Avg: 12.15%
#844 of 1077
Bottom 21.7% in 100M-500M tier