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 0.56% above tier average
- + Net Interest Margin 0.06% above tier average
- + Average Member Relationship (AMR): Top 1.7% in tier
- + Loan-to-Member Ratio (LMR): Top 2.3% in tier
- + Fee Income Per Member: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.7% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,777
-2.7% YoY-0.1% QoQ
|
-848 |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
46% |
| Assets |
$45.5M
+4.1% YoY+0.2% QoQ
|
+$15.6M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
75% |
| Loans |
$25.6M
+0.2% YoY-1.2% QoQ
|
+$9.8M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
78% |
| Deposits |
$36.9M
+3.4% YoY-0.3% QoQ
|
+$11.4M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
73% |
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| ROA |
1.2%
-31.6% YoY-0.3% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
72% |
| NIM |
4.0%
-2.3% YoY+1.3% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
54% |
| Efficiency Ratio |
71.8%
+14.5% YoY+1.7% QoQ
|
-9.6% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.4%
+1.0% YoY-38.9% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
69.4%
-3.1% YoY-1.0% QoQ
|
+8.2% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
62% |
| AMR |
$35,177
+5.0% YoY-0.5% QoQ
|
+$21K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 1.8% in tier |
| CD Concentration |
32.5%
+6.0% YoY+5.2% QoQ
|
+8.1% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-77.1% YoY-15.3% QoQ
|
-14.0% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
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)