Federal credit union · Colorado Spring, Colorado · NCUA charter #13300
School District 3
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $35.4M
- Total assets
- 1,612
- Members
- 15.3%
- Net-worth ratio
School District 3 scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $35.4M; members 1,612; net-worth ratio 15.33%; health rank #1,064 of 4,374; healthier than 73rd of scored peers.
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#1,064 of 4,374 health · 2025Q4School District 3 · health 90/100 · $35.4M · 2025Q4
Call Report peers
School District 3 in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
School District 3 vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); School District 3 sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for School District 3
- Delinquency Rate leads the peer set - 0.00% here, 1.15% peer average (-1.14 pp).
- Loan-to-Share Ratio trails the peer set - 57.98% here, 59.80% peer average (-1.82 pp).
Where School District 3 sits in Colorado
- Health composite ranks #19 of 66 among scored Colorado credit unions.
- By total assets, School District 3 is #52 of 66 in Colorado.
- Member book place in Colorado: #53 of 66.
- One place up in Colorado, San Juan Mountains (#18) scores 91/100, 1 point higher; one place down, ELECTRICAL (#20) scores 89/100, 1 point lower.
School District 3 Call Report trajectory
School District 3: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $35.4M (2025Q4) to $36.4M (2026Q1).
- Net-worth ratio shifted -0.20 pp (15.53% → 15.33%).
At 15.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
School District 3 gives up 10 points in total. Member Growth costs the most, 7.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 12.3 pts
School District 3 vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.33% | +0.47 pp |
| Delinquency Rate | 0.00% | -1.14 pp |
| Return on Assets | 0.98% | +0.28 pp |
| Member Growth | -0.74% | - |
| Loan-to-Share Ratio | 57.98% | -1.82 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
School District 3 filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $36.4M | - |
| 2025Q4 | $35.4M | 1,612 |
| 2024Q4 | $34.4M | 1,624 |
| 2023Q4 | $33.2M | 1,674 |
Credit Union Details
- Charter Number
- 13300
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Colorado
- City
- Colorado Spring
- Data Quarter
- 2025Q4
Branch Location
School District 3 operates a single office in Colorado Springs, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| home office (Main Office) | Colorado Springs, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
A look at other Colorado credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near School District 3
Similar total assets
Using this data
- School District 3 ranks #1,064 of 4,374 nationally on financial health and #19 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mountain River is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mountain River
Frequently Asked Questions
Is School District 3 financially healthy?
School District 3 has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,064 of 4,374 nationally on health and #19 of 66 in Colorado. Its net worth ratio is 15.33% and its delinquency rate 0.00%.
How does School District 3 compare to other credit unions?
School District 3 scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.00% vs 1.15%). Its widest shortfall is loan-to-share ratio (57.98% vs 59.80%).
How can I join School District 3?
School District 3 operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact School District 3 directly for the exact boundaries and application steps.
Is my money safe at School District 3?
School District 3 is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. School District 3's net worth ratio of 15.33% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.