School District 3

Colorado Spring, CO · 1 · Charter #13300 · www.sd3fcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$35.4M
84th percentile
Members
1,612
55th percentile
Total loans
$17.2M
83th percentile
Total shares
$29.7M
84th percentile

Profitability

Return on assets
0.90%
54th percentile
Net interest margin
3.23%
25th percentile
Efficiency ratio
58.41%
69th percentile
Non-interest income ratio
5.46%
35th percentile

Capital & Risk

Net worth ratio
15.53%
54th percentile
Delinquency rate
0.00%
84th percentile
Net charge-off rate
-0.00%
91th percentile
Loan-to-share
57.98%
47th percentile

Growth

Member growth YoY
-0.74%
58th percentile
Asset growth YoY
2.79%
61th percentile
Loan growth YoY
-4.83%
42th percentile
Share growth YoY
1.92%
58th percentile

Operations

Members / branch
1,612
68th percentile
Assets / member
$21,945
97th percentile
Field of membership penetration
16.12%
29th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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