CAMPCO

Charter #20727 | WY

100M-500M (1077 CUs) Micro
7 100M-500M in WY

CAMPCO has 6 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 14.3% in tier
  • + Wallet Share Momentum: Top 19.3% in tier
  • + Relationship Depth Leader: Top 28.5% in tier
  • + ROA 0.47% above tier average
  • + Net Interest Margin 0.49% above tier average
  • + First Mortgage Concentration (%): Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 3.7% in tier
  • - Stagnation Risk: Bottom 17.5% in tier
  • - Membership Headwinds: Bottom 24.7% in tier
  • - Indirect Auto Concentration (%): Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Members 19,502
-1.4% YoY+1.6% QoQ
 +3.9K 15,628
-3.4% YoY
 21,805
+7.5% YoY
 33,089
+6.1% YoY
 74th in tier
Assets $216.1M
+5.0% YoY-1.1% QoQ
 $-15.2M $231.3M
-0.0% YoY
 $326.6M
+9.9% YoY
 $547.7M
+7.8% YoY
 56th in tier
Loans $154.1M
+1.5% YoY+0.5% QoQ
 +$6.3M $147.8M
-1.4% YoY
 $246.2M
+9.3% YoY
 $388.7M
+8.6% YoY
 62nd in tier
Deposits $187.9M
+4.2% YoY-1.4% QoQ
 $-12.4M $200.3M
-0.0% YoY
 $279.6M
+8.1% YoY
 $464.6M
+9.3% YoY
 56th in tier
ROA 1.3%
-5.7% YoY-2.5% QoQ
 +0.5% 0.8%
+15.5% YoY
 1.2%
+23.5% YoY
 0.7%
+273.4% YoY
 Top 19.3% in tier
NIM 4.1%
+0.7% YoY+1.8% QoQ
 +0.5% 3.6%
+6.9% YoY
 3.9%
+2.2% YoY
 3.7%
+5.0% YoY
 Top 22.7% in tier
Efficiency Ratio 73.2%
+5.4% YoY+0.9% QoQ
 -4.1% 77.3%
-3.0% YoY
 69.2%
-3.0% YoY
 79.1%
-3.3% YoY
 34th in tier
Delinquency Rate 0.4%
-21.1% YoY-13.7% QoQ
 -0.4 0.9%
+7.6% YoY
 2.1%
+78.2% YoY
 1.2%
-0.9% YoY
 29th in tier
Loan To Share 82.0%
-2.6% YoY+2.0% QoQ
 +9.3% 72.7%
-1.5% YoY
 79.1%
-2.4% YoY
 68.0%
-1.7% YoY
 68th in tier
AMR $17,535
+4.4% YoY-2.1% QoQ
 $-7K $24,363
+2.9% YoY
 $22,916
+4.8% YoY
 $19,418
+1.3% YoY
 Bottom 20.1% in tier
CD Concentration 27.9%
+7.0% YoY+8.2% QoQ
 +3.5% 24.4%
+4.2% YoY
 26.0%
+2.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 40.3%
+8.7% YoY+0.7% QoQ
 +26.3% 14.0%
-5.8% YoY
 19.6%
+0.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#269 of 627 • Top 14.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.26%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -1.42%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#533 of 1006 • Top 19.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.43%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#785 of 1006 • Top 28.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.43%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.0K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk
#61 of 525 • Bottom 3.7% in tier

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

Why This Signature
Asset Growth (YoY): 4.96%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 40.28%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.42%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk
#288 of 550 • Bottom 17.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.26%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.42%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $17.5K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 27.90%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#408 of 550 • Bottom 24.7% in tier

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

Why This Signature
Member Growth (YoY): -1.42%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | 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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

68
First Mortgage Concentration (%)
balance_sheet
Value: 5.41%
Peer Avg: 30.43%
#68 of 1077 Top 6.2% in 100M-500M tier
146
Members Per Employee (MPE)
engagement
Value: 433.378
Peer Avg: 332.881
#146 of 1077 Top 13.5% in 100M-500M tier
208
Return on Assets (ROA)
profitability
Value: 1.26%
Peer Avg: 0.79%
#208 of 1077 Top 19.2% in 100M-500M tier
245
Net Interest Margin (NIM)
profitability
Value: 4.08%
Peer Avg: 3.58%
#245 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (2 metrics)

989
Indirect Auto Concentration (%)
balance_sheet
Value: 40.28%
Peer Avg: 13.34%
#989 of 1077 Bottom 8.3% in 100M-500M tier
860
Average Member Relationship (AMR)
engagement
Value: $17,535
Peer Avg: $24,363
#860 of 1077 Bottom 20.2% in 100M-500M tier