BlastPoint's Credit Union Scorecard
CAPITOL VIEW
Charter #62878 · IA
CAPITOL VIEW has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.42% above tier average
- + Net Interest Margin 0.03% above tier average
- + Average Member Relationship (AMR): Top 1.8% in tier
- + Loan-to-Member Ratio (LMR): Top 2.3% in tier
- + Fee Income Per Member: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.2% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,759
-2.2% YoY-1.0% QoQ
|
-856 |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$46.0M
+3.4% YoY+1.1% QoQ
|
+$15.9M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$25.4M
+0.1% YoY-0.7% QoQ
|
+$9.7M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
77% |
| Deposits |
$37.3M
+2.7% YoY+1.1% QoQ
|
+$11.6M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
1.0%
-34.8% YoY-16.8% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
67% |
| NIM |
4.0%
-2.6% YoY-0.2% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
75.4%
+13.0% YoY+5.1% QoQ
|
-7.1% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
0.1%
+11.2% YoY-71.9% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
68.2%
-2.5% YoY-1.8% QoQ
|
+7.6% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$35,680
+3.9% YoY+1.4% QoQ
|
+$21K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 1.8% in tier |
| CD Concentration |
32.8%
+3.7% YoY+0.8% QoQ
|
+8.3% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-77.4% YoY-19.2% QoQ
|
-13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)