BlastPoint's Credit Union Scorecard

CAPITAL

Charter #66865 · WI

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 4 in WI
View Mid-Market leaderboard →

CAPITAL has 8 strengths but faces 4 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 30.5% in tier
  • + Relationship Depth Leader: Top 57.8% in tier
  • + ROA 0.32% above tier average
  • + Total Loans: Top 1.3% in tier
  • + Total Assets: Top 3.6% in tier
  • + Total Deposits: Top 7.9% in tier
  • + Loan-to-Member Ratio (LMR): Top 8.6% in tier
  • + Loan-to-Share Ratio: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 13.3% in tier
  • - Indirect Auto Dependency: Bottom 55.9% in tier
  • - Delinquency rate 0.12% above tier average
  • - Members Per Employee (MPE): Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 127,388
+4.2% YoY+0.1% QoQ
 +30.0K 97,431
-2.4% YoY
 38,882
+6.1% YoY
 33,374
+5.7% YoY
 78%
Assets $2.8B
+7.8% YoY+1.6% QoQ
 +$1.1B $1.7B
+0.9% YoY
 $734.5M
+12.6% YoY
 $561.6M
+9.7% YoY
 Top 4.0% in tier
Loans $2.3B
+9.1% YoY-0.3% QoQ
 +$1.1B $1.2B
+0.5% YoY
 $568.1M
+11.9% YoY
 $397.0M
+8.8% YoY
 Top 1.7% in tier
Deposits $2.3B
+9.2% YoY+1.4% QoQ
 +$837.2M $1.5B
+0.9% YoY
 $617.8M
+12.3% YoY
 $477.3M
+9.7% YoY
 Top 8.3% in tier

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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%
+19.8% YoY-0.2% QoQ
 +0.3% 0.7%
+20.9% YoY
 0.9%
+14.0% YoY
 0.7%
+15.9% YoY
 79%
NIM 3.2%
+7.9% YoY+0.2% QoQ
 -0.1% 3.3%
+9.2% YoY
 3.7%
+4.8% YoY
 3.8%
+5.1% YoY
 40%
Efficiency Ratio 63.6%
-2.6% YoY-1.3% QoQ
 -10.4% 74.1%
-9.5% YoY
 75.8%
-1.1% YoY
 79.7%
-3.3% YoY
 Bottom 11.6% in tier
Delinquency Rate 1.0%
-10.6% YoY-3.6% QoQ
 +0.1 0.9%
+6.2% YoY
 1.5%
+86.3% YoY
 1.3%
-2.1% YoY
 70%
Loan To Share 102.0%
-0.2% YoY-1.7% QoQ
 +17.2% 84.8%
-0.8% YoY
 80.0%
-0.6% YoY
 67.4%
-1.7% YoY
 Top 9.3% in tier
AMR $36,414
+4.8% YoY+0.4% QoQ
 +$7K $29,428
+2.4% YoY
 $23,366
+4.9% YoY
 $19,687
+2.0% YoY
 Top 13.9% in tier
CD Concentration 30.0%
+0.4% YoY-1.8% QoQ
 +1.0% 29.0% 21.5% 19.8% 56%
Indirect Auto % 22.9%
+2.8% YoY-1.9% QoQ
 +4.5% 18.3% 8.0% 7.8% 66%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#76 of 247 • Top 30.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.17%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Return on Assets: 1.01%
(Tier: 0.69%, National: 0.67%)
better than tier avg
Indirect Auto %: 22.86%
(Tier: 18.31%, National: 7.78%)
but worse than tier avg
247 of 378 Mid-Market CUs have this signature | 913 nationally
→ No prior data (247 CUs now) | New qualifier

Relationship Depth Leader

growth
#38 of 65 • Top 57.8% 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): 4.79%
(Tier: 3.31%, National: 4.00%)
better than tier avg
Share Draft per Member: $3.4K
(Tier: $3.2K, National: $2.0K)
better than tier avg
65 of 378 Mid-Market CUs have this signature | 351 nationally
↑ Growing +20 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk
#23 of 166 • Bottom 13.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 101.98%
(Tier: 85.73%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 9.07%
(Tier: 6.38%, National: 111.96%)
but better than tier avg
166 of 378 Mid-Market CUs have this signature | 439 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#110 of 196 • Bottom 55.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 7.75%
(Tier: 6.83%, National: 3.54%)
but better than tier avg
Indirect Auto %: 22.86%
(Tier: 18.31%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 4.17%
(Tier: 3.43%, National: 4.32%)
but better than tier avg
196 of 378 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -11 CUs YoY | Rank improving

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)

Comparing against 302 peers in tier

Top Strengths (10 metrics)

5
Total Loans
balance_sheet
Value: $2.34B
Peer Median: -
#5 of 302 Top 1.3% in 1B-3B tier
12
Total Assets
balance_sheet
Value: $2.78B
Peer Median: -
#12 of 302 Top 3.6% in 1B-3B tier
25
Total Deposits
balance_sheet
Value: $2.30B
Peer Median: -
#25 of 302 Top 7.9% in 1B-3B tier
27
Loan-to-Member Ratio (LMR)
engagement
Value: $18,385
Peer Median: -
#27 of 302 Top 8.6% in 1B-3B tier
28
Loan-to-Share Ratio
balance_sheet
Value: 101.98%
Peer Median: -
#28 of 302 Top 8.9% in 1B-3B tier
36
Efficiency Ratio
profitability
Value: 63.63%
Peer Median: -
#36 of 302 Top 11.6% in 1B-3B tier
42
Average Member Relationship (AMR)
engagement
Value: $36,414
Peer Median: -
#42 of 302 Top 13.6% in 1B-3B tier
54
Deposit Growth Rate
growth
Value: 9.25%
Peer Median: -
#54 of 302 Top 17.5% in 1B-3B tier
63
Return on Assets (ROA)
profitability
Value: 1.01%
Peer Median: -
#63 of 302 Top 20.5% in 1B-3B tier
65
Total Members
engagement
Value: 127,388
Peer Median: -
#65 of 302 Top 21.2% in 1B-3B tier

Top Weaknesses (1 metrics)

273
Members Per Employee (MPE)
engagement
Value: 264.840
Peer Median: -
#273 of 302 Bottom 9.9% in 1B-3B tier
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