BlastPoint's Credit Union Scorecard
CAPITAL
Charter #61637 · ND
CAPITAL has 8 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does ND stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 10.9% in tier
- + Wallet Share Momentum: Top 10.9% in tier
- + Organic Growth Engine: Top 36.3% in tier
- + Organic Growth Leader: Top 36.3% in tier
- + ROA 0.38% above tier average
- + Net Interest Margin 0.15% above tier average
- + Average Member Relationship (AMR): Top 6.3% in tier
- + Loan-to-Member Ratio (LMR): Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 9.1% in tier
- - Delinquency rate 1.00% above tier average
- - Members Per Employee (MPE): Bottom 6.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.1% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 2 that size in North Dakota.
- Shares and deposits +9.3% year over year ($770M in shares and deposits).
- Membership: 32,946 members, +1.3% vs a year ago.
- Delinquency rate 1.80%.
- Return on assets 1.23%.
- Efficiency ratio 70.19% vs a 74.54% peer average.
- Loan-to-share ratio 94.25% vs a 82.60% 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 (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,946
+1.3% YoY+1.4% QoQ
|
-19.5K |
52,482
+1.3% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
Bottom 11.7% in tier |
| Assets |
$921.5M
+10.7% YoY+1.5% QoQ
|
+$57.5M |
$863.9M
+0.5% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
74% |
| Loans |
$726.0M
+12.5% YoY+6.2% QoQ
|
+$118.2M |
$607.8M
+2.1% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
Top 14.4% in tier |
| Deposits |
$770.2M
+9.3% YoY+0.3% QoQ
|
+$30.3M |
$739.9M
+0.2% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
67% |
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| ROA |
1.2%
+52.6% YoY+27.2% QoQ
|
+0.4% |
0.8%
+30.4% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
78% |
| NIM |
3.7%
+10.1% YoY+3.1% QoQ
|
+0.1% |
3.5%
+6.2% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
60% |
| Efficiency Ratio |
70.2%
-7.4% YoY-3.7% QoQ
|
-4.3% |
74.5%
-1.4% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
26% |
| Delinquency Rate |
1.8%
-7.2% YoY+17.7% QoQ
|
+1.0 |
0.8%
+1.0% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.1% in tier |
| Loan To Share |
94.3%
+3.0% YoY+5.9% QoQ
|
+11.7% |
82.6%
+1.9% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
79% |
| AMR |
$45,415
+9.4% YoY+1.6% QoQ
|
+$17K |
$28,702
+0.4% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
Top 7.2% in tier |
| CD Concentration |
27.9%
-1.6% YoY-2.9% QoQ
|
+3.3% | 24.6% | 22.7% | 20.0% | 64% |
| Indirect Auto % |
1.4%
+110.4% YoY+19.4% QoQ
|
-12.2% | 13.6% | 1.2% | 7.7% | 37% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)