BlastPoint's Credit Union Scorecard

CAMPCO

Charter #20727 · WY

1069 CUs in 100M-500M nationally 7 in WY

CAMPCO has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

WY Analysis

How does WY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 83.6% in tier
+ ROA 0.32% above tier average
+ Net Interest Margin 0.46% above tier average
+ First Mortgage Concentration (%): Top 5.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 17.6% in tier
- Membership Headwinds: Bottom 55.3% in tier
- Stagnation Risk: Bottom 64.0% in tier
- Member decline: -2.4% YoY
- Indirect Auto Concentration (%): Bottom 7.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Members	19,350 -2.4% YoY-0.8% QoQ	+3.9K	15,437 -2.9% YoY	21,806 +1.7% YoY	33,374 +5.7% YoY	74%
Assets	$219.9M +4.7% YoY+1.8% QoQ	$-12.0M	$231.9M +1.3% YoY	$331.9M +4.5% YoY	$561.6M +9.7% YoY	56%
Loans	$152.5M +2.3% YoY-1.0% QoQ	+$5.1M	$147.3M -0.1% YoY	$248.7M +3.3% YoY	$397.0M +8.8% YoY	62%
Deposits	$192.7M +4.3% YoY+2.5% QoQ	$-8.1M	$200.8M +0.8% YoY	$284.9M +3.7% YoY	$477.3M +9.7% YoY	57%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% -7.4% YoY-14.6% QoQ	+0.3%	0.8% +18.2% YoY	1.1% +10.8% YoY	0.7% +15.9% YoY	72%
NIM	4.1% +0.1% YoY-0.3% QoQ	+0.5%	3.6% +6.7% YoY	3.9% +0.6% YoY	3.8% +5.1% YoY	75%
Efficiency Ratio	75.1% +5.0% YoY+2.6% QoQ	-1.9%	77.0% -3.1% YoY	70.1% -0.5% YoY	79.7% -3.3% YoY	40%
Delinquency Rate	0.7% -1.8% YoY+55.1% QoQ	-0.2	0.9% +4.2% YoY	1.7% +3.5% YoY	1.3% -2.1% YoY	45%
Loan To Share	79.1% -1.9% YoY-3.5% QoQ	+6.9%	72.2% -1.1% YoY	78.9% -1.3% YoY	67.4% -1.7% YoY	61%
AMR	$17,836 +6.0% YoY+1.7% QoQ	$-7K	$24,676 +3.4% YoY	$23,219 +4.0% YoY	$19,687 +2.0% YoY	20%
CD Concentration	29.1% +13.0% YoY+4.2% QoQ	+4.6%	24.4%	26.5%	19.8%	50%
Indirect Auto %	41.1% +10.6% YoY+2.1% QoQ	+27.3%	13.8%	19.3%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#429 of 513 • Top 83.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.95%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk

#90 of 506 • Bottom 17.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.70%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 41.11%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -2.40%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Membership Headwinds

decline

#307 of 554 • Bottom 55.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.40%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#355 of 554 • Bottom 64.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.40%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 2.33%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.65%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (3 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 5.39%

Peer Median: -

#63 of 1069 Top 5.8% in 100M-500M tier

155

Members Per Employee (MPE)

engagement

Value: 430.000

Peer Median: -

#155 of 1069 Top 14.4% in 100M-500M tier

263

Net Interest Margin (NIM)

profitability

Value: 4.06%

Peer Median: -

#263 of 1069 Top 24.5% in 100M-500M tier

Top Weaknesses (3 metrics)

989

Indirect Auto Concentration (%)

balance_sheet

Value: 41.11%

Peer Median: -

#989 of 1069 Bottom 7.6% in 100M-500M tier

852

Average Member Relationship (AMR)

engagement

Value: $17,836

Peer Median: -

#852 of 1069 Bottom 20.4% in 100M-500M tier

817

Member Growth Rate

growth

Value: -2.40%

Peer Median: -

#817 of 1069 Bottom 23.7% in 100M-500M tier