BlastPoint's Credit Union Scorecard
CAPITAL
Charter #66865 · WI
CAPITAL has 6 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 38.9% in tier
- + ROA 0.27% above tier average
- + Total Loans: Top 0.3% in tier
- + Total Assets: Top 2.3% in tier
- + Total Deposits: Top 6.5% in tier
- + Loan-to-Member Ratio (LMR): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 14.1% in tier
- - Indirect Auto Dependency: Bottom 35.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
127,670
+3.4% YoY+0.2% QoQ
|
+31.6K |
96,048
-2.7% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
80% |
| Assets |
$2.8B
+6.8% YoY+2.2% QoQ
|
+$1.1B |
$1.7B
+0.4% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
Top 2.6% in tier |
| Loans |
$2.3B
+7.1% YoY-0.3% QoQ
|
+$1.1B |
$1.2B
+0.2% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Top 0.7% in tier |
| Deposits |
$2.4B
+8.1% YoY+2.7% QoQ
|
+$893.1M |
$1.5B
+0.5% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
Top 6.9% in tier |
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| ROA |
1.0%
+32.1% YoY-2.1% QoQ
|
+0.3% |
0.7%
+27.6% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
77% |
| NIM |
3.1%
+3.4% YoY-1.6% QoQ
|
-0.2% |
3.4%
+6.2% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
34% |
| Efficiency Ratio |
67.2%
-4.2% YoY+5.6% QoQ
|
-7.5% |
74.6%
-3.0% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
19% |
| Delinquency Rate |
0.8%
-22.4% YoY-24.1% QoQ
|
+0.0 |
0.8%
+6.9% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
64% |
| Loan To Share |
99.0%
-0.9% YoY-2.9% QoQ
|
+15.8% |
83.2%
-0.4% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Top 12.4% in tier |
| AMR |
$36,760
+4.0% YoY+1.0% QoQ
|
+$7K |
$29,652
+2.3% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
Top 15.0% in tier |
| CD Concentration |
29.2%
-3.2% YoY-2.6% QoQ
|
+0.4% | 28.8% | 21.6% | 19.8% | 53% |
| Indirect Auto % |
22.2%
-0.4% YoY-2.8% QoQ
|
+4.2% | 18.1% | 8.0% | 7.7% | 65% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)