BlastPoint's Credit Union Scorecard

CAMPCO

Charter #20727 · WY

100M-500M

1070 CUs in 100M-500M nationally 8 in WY

CAMPCO has 3 strengths but faces 7 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

+ ROA 0.44% above tier average
+ Net Interest Margin 0.19% above tier average
+ First Mortgage Concentration (%): Top 5.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Member decline: -2.4% YoY
- Indirect Auto Concentration (%): Bottom 7.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Members	19,564 -2.4% YoY+1.1% QoQ	+4.4K	15,145 -2.5% YoY	21,934 +2.5% YoY	33,913 +5.7% YoY	76%
Assets	$227.3M +3.2% YoY+3.3% QoQ	$-4.4M	$231.7M +0.8% YoY	$341.2M +5.8% YoY	$578.3M +9.0% YoY	59%
Loans	$151.1M +1.0% YoY-0.9% QoQ	+$6.9M	$144.1M +0.2% YoY	$250.8M +3.8% YoY	$402.4M +8.7% YoY	62%
Deposits	$199.2M +2.7% YoY+3.4% QoQ	$-2.0M	$201.1M +0.4% YoY	$290.8M +4.6% YoY	$494.3M +9.1% YoY	59%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% -7.7% YoY+8.0% QoQ	+0.4%	0.7% +5.1% YoY	1.0% -6.8% YoY	0.4% -39.2% YoY	78%
NIM	3.8% -4.6% YoY-5.9% QoQ	+0.2%	3.6% +4.6% YoY	3.9% -0.5% YoY	3.8% +4.1% YoY	65%
Efficiency Ratio	74.2% +1.6% YoY-1.1% QoQ	-3.8%	78.0% -1.7% YoY	73.8% +4.7% YoY	84.6% +2.8% YoY	35%
Delinquency Rate	0.4% +21.8% YoY-39.7% QoQ	-0.4	0.8% +7.1% YoY	1.7% +17.4% YoY	1.2% +3.4% YoY	30%
Loan To Share	75.9% -1.7% YoY-4.1% QoQ	+5.4%	70.4% -0.4% YoY	76.1% -2.5% YoY	65.6% -1.4% YoY	57%
AMR	$17,903 +4.5% YoY+0.4% QoQ	$-7K	$24,918 +2.7% YoY	$23,399 +4.1% YoY	$19,920 +1.6% YoY	20%
CD Concentration	29.4% +11.0% YoY+1.0% QoQ	+5.1%	24.3%	26.4%	19.8%	50%
Indirect Auto %	41.3% +8.4% YoY+0.4% QoQ	+27.5%	13.8%	19.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#94 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 3.21%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 41.29%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.45%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Membership Headwinds

decline

#306 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -2.45%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#373 of 570 • Bottom 50.0% 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): -2.45%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.96%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.39%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#542 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#452 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.96%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 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 1070 peers in tier

Top Strengths (5 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 5.29%

Peer Median: 29.47%

#63 of 1070 Top 5.8% in 100M-500M tier

142

Members Per Employee (MPE)

engagement

Value: 434.756

Peer Median: 309.176

#142 of 1070 Top 13.2% in 100M-500M tier

221

Fee Income Per Member

profitability

Value: $212.92

Peer Median: $154.95

#221 of 1070 Top 20.6% in 100M-500M tier

235

Return on Assets (ROA)

profitability

Value: 1.16%

Peer Median: 0.69%

#235 of 1070 Top 21.9% in 100M-500M tier

260

Total Members

engagement

Value: 19,564

Peer Median: 13,200

#260 of 1070 Top 24.2% in 100M-500M tier

Top Weaknesses (3 metrics)

992

Indirect Auto Concentration (%)

balance_sheet

Value: 41.29%

Peer Median: 6.61%

#992 of 1070 Bottom 7.4% in 100M-500M tier

856

Average Member Relationship (AMR)

engagement

Value: $17,903

Peer Median: $22,931

#856 of 1070 Bottom 20.1% in 100M-500M tier

818

Member Growth Rate

growth

Value: -2.45%

Peer Median: -0.06%

#818 of 1070 Bottom 23.6% in 100M-500M tier