SCHOOL DISTRICT 3
Charter #13300 · Colorado Spring, CO · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of -0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 71.14% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 31st — a 44-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SCHOOL DISTRICT 3 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $36.37M | 75th pct | 31th pct |
| Members | 1,590 | 28th pct | 28th pct |
| Net worth ratio | 15.33% | 62th pct | 59th pct |
| Return on average assets | 0.90% | 63th pct | 74th pct |
| Net interest margin | 3.02% | 17th pct | 31th pct |
| Cost of funds | 1.09% | 62th pct | 44th pct |
| Loan-to-share | 55.03% | 47th pct | 44th pct |
| Delinquency 60+ days | 0.08% | 20th pct | 31th pct |
| Net charge-off ratio | -0.00% | 22th pct | 16th pct |
| Loan growth YoY | -3.92% | 39th pct | 21th pct |
| Share growth YoY | 2.08% | 45th pct | 56th pct |
| Efficiency ratio | 71.14% | 28th pct | 16th pct |
structural peer set hash: b2a10c5e5904ebdfdb757bbfccd3ecef… (reproducible)
Closest structural peers
This is the free public view
Claim SCHOOL DISTRICT 3
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.