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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,064 of 4,374 health · 2025Q4School District 3 · health 90/100 · $35.4M · 2025Q4
- RANK 90/100
- PHOTO 15.3%
- BOOK 0.00%
- CHARTER 0.98%
- NCUSIF $35.4M
- CAMELS 1,612
- HEALTH #1,064/4,374
- NW ECU
- DELQ 13300
Call Report peers
School District 3 in the assets neighbourhood
School District 3's $35.4M assets sit next to ECU ($35.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
School District 3 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #13300 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
School District 3 Call Report trajectory
School District 3: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $35.4M (2025Q4) to $36.4M (2026Q1).
- Net-worth ratio shifted -0.20 pp (15.53% → 15.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for School District 3 - kept outside Colorado; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($35.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Colorado credit unions compare overall before assuming this one is typical. Colorado state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is School District 3 financially healthy?
School District 3 has a financial health score of 90/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,064 of 4,374; by total assets it ranks #2,710 of 4,374 nationally (same basis as /rankings/largest); and #52 of 66 within Colorado. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.33% and delinquency rate of 0.00%.
How does School District 3 compare to other credit unions?
School District 3 scores 90/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like School District 3 are 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."
What rates does School District 3 offer compared to banks?
Credit unions like School District 3 are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact School District 3 directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.