BlastPoint's Credit Union Scorecard
FIDELIS CATHOLIC
Charter #9810 · CO
FIDELIS CATHOLIC has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.44% above tier average
- + Average Member Relationship (AMR): Top 3.3% in tier
- + Loan-to-Member Ratio (LMR): Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Efficiency ratio 19.04% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.8% in tier
- - Net Charge-Off Rate: Bottom 1.1% in tier
- - Total Members: Bottom 2.8% in tier
- - Net Worth Ratio: Bottom 5.2% in tier
- - Loan Growth Rate: Bottom 6.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 26 that size in Colorado.
- Shares and deposits +3.5% year over year ($138M in shares and deposits).
- Membership: 4,649 members, +1.0% vs a year ago.
- Delinquency rate 0.43%.
- Return on assets 1.30%.
- Efficiency ratio 95.78% vs a 76.73% peer average.
- Loan-to-share ratio 62.05% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,649
+1.0% YoY+0.7% QoQ
|
-10.5K |
15,168
-2.6% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
Bottom 2.7% in tier |
| Assets |
$151.8M
+2.4% YoY+0.2% QoQ
|
$-80.2M |
$232.0M
+0.7% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
31% |
| Loans |
$85.8M
-6.6% YoY-2.1% QoQ
|
$-60.4M |
$146.3M
+0.2% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
26% |
| Deposits |
$138.3M
+3.5% YoY+0.2% QoQ
|
$-62.4M |
$200.7M
+0.2% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
35% |
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| ROA |
1.3%
+226.6% YoY-159.4% QoQ
|
+0.4% |
0.9%
+12.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
81% |
| NIM |
2.9%
+1.2% YoY+0.2% QoQ
|
-0.8% |
3.7%
+4.5% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.4% in tier |
| Efficiency Ratio |
95.8%
+15.1% YoY-1.8% QoQ
|
+19.0% |
76.7%
-0.8% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.6% in tier |
| Delinquency Rate |
0.4%
-80.2% YoY-71.5% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
30% |
| Loan To Share |
62.1%
-9.7% YoY-2.4% QoQ
|
-9.5% |
71.5%
-0.3% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
29% |
| AMR |
$48,224
-1.6% YoY-1.4% QoQ
|
+$23K |
$25,107
+3.2% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
Top 3.4% in tier |
| CD Concentration |
35.2%
+1.4% YoY+0.4% QoQ
|
+10.7% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.3% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)