School District 3 Federal Credit Union
Total assets
$36.4M
▲ +1.1% YoY
Shares & deposits
$30.7M
▲ +0.1% YoY
Loans
$16.9M
▼ -4.2% YoY
Members
1,590
▼ -2.1% YoY
ROA (annualized)
0.89%
peers 0.60%
ROE (annualized)
5.77%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +0.1% | +0.7% | -0.5 pts |
| Loan growth (YoY) | -4.2% | -2.4% | -1.9 pts |
| ROA | 0.89% | 0.60% | +0.3 pts |
| ROE | 5.8% | 4.1% | +1.7 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
Profile
- Established
- 1959
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 1180 Crawford Ave, Colorado Spring, CO, 80911
- NCUA charter #
- 13300
- RSSD ID
- 630685
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $36.4M | $30.7M | $16.9M | $5.6M | $80K | 0.89% | 2.97% | 0.08% | 1,590 |
| Q4 2025 | $35.4M | $29.7M | $17.2M | $5.5M | $317K | 0.90% | 3.23% | 0.00% | 1,612 |
| Q3 2025 | $35.6M | $30.0M | $17.6M | $5.4M | $270K | 1.01% | 3.21% | 0.00% | 1,625 |
| Q2 2025 | $35.6M | $30.1M | $18.1M | $5.4M | $214K | 1.20% | 3.23% | 0.00% | 1,621 |
| Q1 2025 | $36.0M | $30.6M | $17.6M | $5.3M | $95K | 1.06% | 3.15% | 0.00% | 1,624 |
| Q4 2024 | $34.4M | $29.1M | $18.1M | $5.2M | $348K | 1.01% | 3.17% | 0.00% | 1,624 |
| Q3 2024 | $34.0M | $28.8M | $18.1M | $5.1M | $252K | 0.99% | 3.16% | 0.00% | 1,635 |
| Q2 2024 | $34.3M | $29.2M | $17.5M | $5.0M | $146K | 0.85% | 3.05% | 0.05% | 1,656 |
Loan mix (Q1 2026): real estate $13.8M · commercial $641K · consumer $2.0M · securities $14.6M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.83% | 18th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 81.5% | 27th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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