BlastPoint's Credit Union Scorecard

FIDELIS CATHOLIC

Charter #9810 · CO

1077 CUs in 100M-500M nationally 26 in CO

FIDELIS CATHOLIC has 6 strengths but faces 7 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 29.2% in tier
+ Organic Growth Leader: Top 32.6% in tier
+ Relationship Depth Leader: Top 98.8% 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	30%
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	30%
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	32%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	32%
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	16%
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	58%
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	40%
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	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

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%)

but worse than tier avg

Return on Assets: 0.50%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

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 (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.50%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Relationship Depth Leader

growth

#254 of 257 • Top 98.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.15%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $3.6K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 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)

worse than tier avg

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $48,711

Peer Avg: -

#28 of 1077 Top 2.5% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,027

Peer Avg: -

#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: -

#1066 of 1077 Bottom 1.1% in 100M-500M tier

1053

Total Delinquency Rate (60+ days)

risk

Value: 2.96%

Peer Avg: -

#1053 of 1077 Bottom 2.3% in 100M-500M tier

1052

Total Members

engagement

Value: 4,619

Peer Avg: -

#1052 of 1077 Bottom 2.4% in 100M-500M tier

930

Share Certificate Concentration (%)

balance_sheet

Value: 35.71%

Peer Avg: -

#930 of 1077 Bottom 13.7% in 100M-500M tier

899

Net Interest Margin (NIM)

profitability

Value: 2.91%

Peer Avg: -

#899 of 1077 Bottom 16.6% in 100M-500M tier

844

Net Worth Ratio

risk

Value: 9.58%

Peer Avg: -

#844 of 1077 Bottom 21.7% in 100M-500M tier