BlastPoint's Credit Union Scorecard

CAPITAL

Charter #61637 · ND

Community 750M-1B

117 CUs in 750M-1B nationally 2 in ND

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CAPITAL has 8 strengths but faces 3 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

+ Relationship Depth Leader: Top 27.1% in tier
+ Wallet Share Momentum: Top 27.1% in tier
+ Organic Growth Engine: Top 38.2% in tier
+ Organic Growth Leader: Top 38.2% in tier
+ ROA 0.20% above tier average
+ Net Interest Margin 0.10% above tier average
+ Loan-to-Member Ratio (LMR): Top 6.0% in tier
+ Average Member Relationship (AMR): Top 6.8% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 0.85% above tier average
- Total Delinquency Rate (60+ days): Bottom 6.0% in tier
- Members Per Employee (MPE): Bottom 6.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Members	32,476 +1.1% YoY-0.5% QoQ	-19.0K	51,500 +0.7% YoY	7,403 +0.4% YoY	33,913 +5.7% YoY	Bottom 11.1% in tier
Assets	$907.8M +8.5% YoY+2.0% QoQ	+$42.1M	$865.6M +0.9% YoY	$208.9M +6.8% YoY	$578.3M +9.0% YoY	66%
Loans	$683.6M +6.8% YoY+1.0% QoQ	+$88.3M	$595.3M +1.6% YoY	$139.0M +4.5% YoY	$402.4M +8.7% YoY	75%
Deposits	$768.2M +7.8% YoY+1.8% QoQ	+$26.0M	$742.2M +0.6% YoY	$173.7M +3.7% YoY	$494.3M +9.1% YoY	68%

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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	1.0% +17.3% YoY-23.7% QoQ	+0.2%	0.8% +45.0% YoY	0.9% +42.2% YoY	0.4% -39.2% YoY	69%
NIM	3.5% +8.7% YoY+4.9% QoQ	+0.1%	3.5% +6.1% YoY	3.4% +5.6% YoY	3.8% +4.1% YoY	56%
Efficiency Ratio	72.9% -6.8% YoY+7.6% QoQ	-2.7%	75.5% -3.4% YoY	74.3% -6.4% YoY	84.6% +2.8% YoY	31%
Delinquency Rate	1.5% -0.4% YoY+6.7% QoQ	+0.8	0.7% -0.1% YoY	0.8% -32.8% YoY	1.2% +3.4% YoY	Bottom 6.0% in tier
Loan To Share	89.0% -0.9% YoY-0.7% QoQ	+8.4%	80.6% +0.7% YoY	68.7% -2.0% YoY	65.6% -1.4% YoY	68%
AMR	$44,703 +6.1% YoY+1.9% QoQ	+$16K	$28,908 +0.7% YoY	$32,943 +1.9% YoY	$19,920 +1.6% YoY	Top 7.7% in tier
CD Concentration	28.7% -1.0% YoY-4.6% QoQ	+4.4%	24.3%	22.5%	19.8%	67%
Indirect Auto %	1.2% +81.1% YoY+34.5% QoQ	-12.6%	13.8%	1.1%	7.7%	36%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#101 of 257 • Top 27.1% 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): 6.11%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $6.1K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Organic Growth Engine

growth

#257 of 352 • Top 38.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.15%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.96%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 1.21%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Wallet Share Momentum

growth

#362 of 491 • Top 27.1% in tier

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

Why This Signature

AMR Growth (YoY): 6.11%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Organic Growth Leader

growth

#295 of 371 • Top 38.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.15%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 1.21%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (0)

No concerns identified

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 117 peers in tier

Top Strengths (9 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $21,049

Peer Median: $11,598

#8 of 117 Top 6.0% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $44,703

Peer Median: $26,209

#9 of 117 Top 6.8% in 750M-1B tier

Fee Income Per Member

profitability

Value: $324.97

Peer Median: $187.56

#15 of 117 Top 12.0% in 750M-1B tier

Asset Growth Rate

growth

Value: 8.50%

Peer Median: 4.88%

#24 of 117 Top 19.7% in 750M-1B tier

Deposit Growth Rate

growth

Value: 7.79%

Peer Median: 4.60%

#25 of 117 Top 20.5% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.22%

Peer Median: 0.47%

#25 of 117 Top 20.5% in 750M-1B tier

Net Worth Ratio

risk

Value: 12.91%

Peer Median: 10.69%

#25 of 117 Top 20.5% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.21%

Peer Median: 13.79%

#27 of 117 Top 22.2% in 750M-1B tier

Total Loans

balance_sheet

Value: $683.59M

Peer Median: $618.21M

#29 of 117 Top 23.9% in 750M-1B tier

Top Weaknesses (3 metrics)

111

Total Delinquency Rate (60+ days)

risk

Value: 1.53%

Peer Median: 0.56%

#111 of 117 Bottom 6.0% in 750M-1B tier

111

Members Per Employee (MPE)

engagement

Value: 216.507

Peer Median: 328.468

#111 of 117 Bottom 6.0% in 750M-1B tier

104

Total Members

engagement

Value: 32,476

Peer Median: 51,712

#104 of 117 Bottom 12.0% in 750M-1B tier