BlastPoint's Credit Union Scorecard

CAPITAL

Charter #61637 · ND

Community 750M-1B

112 CUs in 750M-1B nationally 1 in ND

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CAPITAL has 11 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

ND Analysis

How does ND stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 14.3% in tier
+ Organic Growth Leader: Top 24.9% in tier
+ Relationship Depth Leader: Top 32.8% in tier
+ Profitability Leader: Top 57.2% in tier
+ Wallet Share Momentum: Top 68.1% in tier
+ ROA 0.66% above tier average
+ Net Interest Margin 0.00% above tier average
+ Fee Income Per Member: Top 1.8% in tier
+ Net Charge-Off Rate: Top 4.5% in tier
+ Loan-to-Member Ratio (LMR): Top 8.0% in tier
+ Average Member Relationship (AMR): Top 8.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.9% in tier
- Credit Risk Growth: Bottom 3.1% in tier
- Liquidity Strain: Bottom 23.1% in tier
- Delinquency rate 1.10% above tier average
- Total Delinquency Rate (60+ days): Bottom 6.2% in tier
- Members Per Employee (MPE): Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Members	32,607 +1.3% YoY+0.2% QoQ	-19.5K	52,114 -2.1% YoY	7,412 -0.5% YoY	33,089 +6.1% YoY	Bottom 9.8% in tier
Assets	$854.3M +7.1% YoY+2.6% QoQ	$-4.7M	$859.0M +0.0% YoY	$201.0M +5.9% YoY	$547.7M +7.8% YoY	47%
Loans	$657.2M +7.7% YoY+1.9% QoQ	+$53.8M	$603.4M +1.0% YoY	$137.9M +2.5% YoY	$388.7M +8.6% YoY	60%
Deposits	$719.8M +7.7% YoY+2.1% QoQ	$-14.3M	$734.2M +0.9% YoY	$165.9M +4.4% YoY	$464.6M +9.3% YoY	45%

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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	1.4% +49.4% YoY+70.2% QoQ	+0.7%	0.7% +27.6% YoY	0.9% -6.7% YoY	0.7% +273.4% YoY	Top 13.4% in tier
NIM	3.4% +4.7% YoY+1.8% QoQ	+0.0%	3.4% +9.6% YoY	3.4% +7.4% YoY	3.7% +5.0% YoY	46%
Efficiency Ratio	66.4% -10.6% YoY-12.4% QoQ	-8.1%	74.5% -3.2% YoY	74.0% -24.8% YoY	79.1% -3.3% YoY	23%
Delinquency Rate	1.9% +105.0% YoY-1.1% QoQ	+1.1	0.8% +5.0% YoY	0.9% -3.9% YoY	1.2% -0.9% YoY	Top 6.2% in tier
Loan To Share	91.3% -0.0% YoY-0.2% QoQ	+8.6%	82.7% +0.1% YoY	72.0% -4.4% YoY	68.0% -1.7% YoY	68%
AMR	$42,229 +6.3% YoY+1.7% QoQ	+$14K	$28,651 +2.5% YoY	$32,427 +3.2% YoY	$19,418 +1.3% YoY	Top 9.8% in tier
CD Concentration	30.4% +6.6% YoY+7.2% QoQ	+6.0%	24.4% +4.2% YoY	22.4% +2.4% YoY	19.6% +6.2% YoY	72%
Indirect Auto %	0.8% +5.9% YoY+9.6% QoQ	-13.2%	14.0% -5.7% YoY	1.1% -2.9% YoY	7.9% -2.9% YoY	35%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#263 of 603 • Top 14.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.30%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.37%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.75%

(Tier: 13.97%, National: 7.90%)

better than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth

#329 of 430 • Top 24.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.30%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.75%

(Tier: 13.97%, National: 7.90%)

better than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#85 of 257 • Top 32.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.33%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $5.5K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank improving

Profitability Leader

growth

#195 of 340 • Top 57.2% in tier

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

Why This Signature

Return on Assets: 1.37%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.45% points

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

better than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Wallet Share Momentum

growth

#328 of 481 • Top 68.1% in tier

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

Why This Signature

AMR Growth (YoY): 6.33%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#48 of 736 • Bottom 1.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.98% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#47 of 446 • Bottom 3.1% in tier

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

Why This Signature

Loan Growth (YoY): 7.71%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.98% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

Liquidity Strain

risk

#180 of 258 • Bottom 23.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.29%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 7.71%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

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 112 peers in tier

Top Strengths (10 metrics)

Fee Income Per Member

profitability

Value: $499.98

Peer Avg: -

#3 of 112 Top 1.8% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.03%

Peer Avg: -

#6 of 112 Top 4.5% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,154

Peer Avg: -

#10 of 112 Top 8.0% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $42,229

Peer Avg: -

#11 of 112 Top 8.9% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.37%

Peer Avg: -

#15 of 112 Top 12.5% in 750M-1B tier

Net Worth Ratio

risk

Value: 13.18%

Peer Avg: -

#24 of 112 Top 20.5% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.75%

Peer Avg: -

#25 of 112 Top 21.4% in 750M-1B tier

Efficiency Ratio

profitability

Value: 66.41%

Peer Avg: -

#27 of 112 Top 23.2% in 750M-1B tier

Deposit Growth Rate

growth

Value: 7.72%

Peer Avg: -

#27 of 112 Top 23.2% in 750M-1B tier

AMR Growth Rate

growth

Value: 6.33%

Peer Avg: -

#29 of 112 Top 25.0% in 750M-1B tier

Top Weaknesses (3 metrics)

106

Total Delinquency Rate (60+ days)

risk

Value: 1.91%

Peer Avg: -

#106 of 112 Bottom 6.2% in 750M-1B tier

104

Members Per Employee (MPE)

engagement

Value: 215.940

Peer Avg: -

#104 of 112 Bottom 8.0% in 750M-1B tier

101

Total Members

engagement

Value: 32,607

Peer Avg: -

#101 of 112 Bottom 10.7% in 750M-1B tier