BlastPoint's Credit Union Scorecard
CAMPCO
Charter #20727 · WY
CAMPCO has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.42% above tier average
- + Net Interest Margin 0.19% above tier average
- + First Mortgage Concentration (%): Top 5.5% in tier
- + Members Per Employee (MPE): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 8.0% in tier
- - AMR Growth Rate: Bottom 8.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in Wyoming.
- Shares and deposits +3.9% year over year ($198M in shares and deposits).
- Membership: 19,949 members, +3.9% vs a year ago.
- Delinquency rate 0.45%.
- Return on assets 1.28%.
- Efficiency ratio 72.76% vs a 76.73% peer average.
- Loan-to-share ratio 75.84% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,949
+3.9% YoY+2.0% QoQ
|
+4.8K |
15,168
-2.6% YoY
|
22,105
+2.3% YoY
|
34,678
+6.6% YoY
|
77% |
| Assets |
$227.6M
+4.1% YoY+0.2% QoQ
|
$-4.4M |
$232.0M
+0.7% YoY
|
$345.9M
+6.0% YoY
|
$593.1M
+10.2% YoY
|
58% |
| Loans |
$150.2M
-2.0% YoY-0.6% QoQ
|
+$3.9M |
$146.3M
+0.2% YoY
|
$256.8M
+5.3% YoY
|
$418.6M
+10.1% YoY
|
61% |
| Deposits |
$198.1M
+3.9% YoY-0.6% QoQ
|
$-2.6M |
$200.7M
+0.2% YoY
|
$290.0M
+5.4% YoY
|
$504.8M
+10.3% YoY
|
58% |
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| ROA |
1.3%
-0.8% YoY+10.3% QoQ
|
+0.4% |
0.9%
+12.5% YoY
|
1.4%
+23.8% YoY
|
1.2%
+121.4% YoY
|
80% |
| NIM |
3.9%
-3.2% YoY+1.4% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.9%
-1.1% YoY
|
3.8%
+2.3% YoY
|
64% |
| Efficiency Ratio |
72.8%
+0.3% YoY-2.0% QoQ
|
-4.0% |
76.7%
-0.8% YoY
|
70.6%
+1.3% YoY
|
83.0%
-5.3% YoY
|
34% |
| Delinquency Rate |
0.4%
-7.9% YoY+14.0% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
2.3%
+31.5% YoY
|
1.3%
+2.6% YoY
|
31% |
| Loan To Share |
75.8%
-5.6% YoY-0.0% QoQ
|
+4.3% |
71.5%
-0.3% YoY
|
76.6%
-2.2% YoY
|
66.4%
-1.4% YoY
|
55% |
| AMR |
$17,458
-2.5% YoY-2.5% QoQ
|
$-8K |
$25,107
+3.2% YoY
|
$23,513
+4.1% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
29.5%
+14.5% YoY+0.5% QoQ
|
+5.0% | 24.6% | 26.8% | 20.0% | 50% |
| Indirect Auto % |
39.9%
-0.2% YoY-3.3% QoQ
|
+26.3% | 13.6% | 19.1% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)