BlastPoint's Credit Union Scorecard

CAMPCO

Charter #20727 · WY

1077 CUs in 100M-500M nationally 7 in WY

CAMPCO has 4 strengths but faces 4 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

+ Profitability Leader: Top 73.2% 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	74%
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	56%
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	62%
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	56%

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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	1.3% -5.7% YoY-2.5% QoQ	+0.5%	0.8% +15.5% YoY	1.2% +23.5% YoY	0.7% +273.4% YoY	81%
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	77%
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	34%
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	29%
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	68%
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	20%
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	50%
Indirect Auto %	40.3% +8.7% YoY+0.7% QoQ	+26.3%	14.0% -5.7% YoY	19.6% +0.8% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Profitability Leader

growth

#249 of 340 • Top 73.2% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.26%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.08% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

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: 13.97%, 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 declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.42%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 1.47%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.42%

(Tier: 0.85%, National: 1.23%)

but better 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 5.41%

Peer Avg: -

#68 of 1077 Top 6.2% in 100M-500M tier

146

Members Per Employee (MPE)

engagement

Value: 433.378

Peer Avg: -

#146 of 1077 Top 13.5% in 100M-500M tier

208

Return on Assets (ROA)

profitability

Value: 1.26%

Peer Avg: -

#208 of 1077 Top 19.2% in 100M-500M tier

245

Net Interest Margin (NIM)

profitability

Value: 4.08%

Peer Avg: -

#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: -

#989 of 1077 Bottom 8.3% in 100M-500M tier

860

Average Member Relationship (AMR)

engagement

Value: $17,535

Peer Avg: -

#860 of 1077 Bottom 20.2% in 100M-500M tier