CAPITAL

Charter #66865 | WI

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in WI

CAPITAL has 9 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 9.0% in tier
  • + Relationship Depth Leader: Top 9.7% in tier
  • + Wallet Share Momentum: Top 14.3% in tier
  • + ROA 0.30% above tier average
  • + Total Loans: Top 1.0% in tier
  • + Total Assets: Top 4.9% in tier
  • + Loan-to-Share Ratio: Top 7.2% in tier
  • + Loan-to-Member Ratio (LMR): Top 7.2% in tier
  • + Total Deposits: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 2.1% in tier
  • - Indirect Auto Dependency: Bottom 15.8% in tier
  • - Delinquency rate 0.22% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 127,200
+5.0% YoY+1.3% QoQ
 +28.5K 98,678
-1.9% YoY
 38,719
+8.7% YoY
 33,089
+6.1% YoY
 Top 22.7% in tier
Assets $2.7B
+8.8% YoY+0.8% QoQ
 +$1.0B $1.7B
+0.5% YoY
 $717.4M
+12.8% YoY
 $547.7M
+7.8% YoY
 Top 5.3% in tier
Loans $2.3B
+11.1% YoY+2.5% QoQ
 +$1.1B $1.2B
+0.5% YoY
 $555.6M
+13.3% YoY
 $388.7M
+8.6% YoY
 Top 1.3% in tier
Deposits $2.3B
+10.5% YoY+1.5% QoQ
 +$810.8M $1.5B
+1.3% YoY
 $603.1M
+13.2% YoY
 $464.6M
+9.3% YoY
 Top 9.2% in tier
ROA 1.0%
+38.6% YoY+10.1% QoQ
 +0.3% 0.7%
+13.4% YoY
 0.7%
-20.1% YoY
 0.7%
+273.4% YoY
 Top 23.0% in tier
NIM 3.2%
+8.6% YoY+1.2% QoQ
 -0.1% 3.3%
+9.3% YoY
 3.5%
-0.2% YoY
 3.7%
+5.0% YoY
 42nd in tier
Efficiency Ratio 64.4%
-4.7% YoY-2.3% QoQ
 -9.5% 74.0%
-10.9% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 Bottom 15.8% in tier
Delinquency Rate 1.0%
-13.7% YoY+5.6% QoQ
 +0.2 0.8%
+6.1% YoY
 1.0%
+20.8% YoY
 1.2%
-0.9% YoY
 Top 21.7% in tier
Loan To Share 103.7%
+0.5% YoY+0.9% QoQ
 +18.5% 85.2%
-0.8% YoY
 80.3%
+0.1% YoY
 68.0%
-1.7% YoY
 Top 7.6% in tier
AMR $36,273
+5.6% YoY+0.7% QoQ
 +$7K $29,172
+2.8% YoY
 $22,950
+4.4% YoY
 $19,418
+1.3% YoY
 Top 13.8% in tier
CD Concentration 30.5%
+5.0% YoY-0.4% QoQ
 +1.6% 29.0%
+0.8% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 59th in tier
Indirect Auto % 23.3%
+8.4% YoY+1.2% QoQ
 +4.5% 18.8%
-2.8% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 64th in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#66 of 246 • Top 9.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.96%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.01%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 23.31%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Relationship Depth Leader

growth
#71 of 264 • Top 9.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.61%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.3K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Wallet Share Momentum

growth
#104 of 264 • Top 14.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.61%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Concerns (2)

Liquidity Strain

risk
#12 of 183 • Bottom 2.1% in tier

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

Why This Signature
Loan-to-Share Ratio: 103.70%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 11.14%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#98 of 202 • Bottom 15.8% in tier

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

Why This Signature
Asset Growth (YoY): 8.80%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 23.31%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.96%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 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 304 peers in tier

Top Strengths (13 metrics)

4
Total Loans
balance_sheet
Value: $2.35B
Peer Avg: $1.23B
#4 of 304 Top 1.0% in 1B-3B tier
16
Total Assets
balance_sheet
Value: $2.74B
Peer Avg: $1.72B
#16 of 304 Top 4.9% in 1B-3B tier
23
Loan-to-Share Ratio
balance_sheet
Value: 103.70%
Peer Avg: 85.19%
#23 of 304 Top 7.2% in 1B-3B tier
23
Loan-to-Member Ratio (LMR)
engagement
Value: $18,466
Peer Avg: $13,213
#23 of 304 Top 7.2% in 1B-3B tier
28
Total Deposits
balance_sheet
Value: $2.27B
Peer Avg: $1.45B
#28 of 304 Top 8.9% in 1B-3B tier
39
Deposit Growth Rate
growth
Value: 10.54%
Peer Avg: 5.58%
#39 of 304 Top 12.5% in 1B-3B tier
42
Average Member Relationship (AMR)
engagement
Value: $36,273
Peer Avg: $29,172
#42 of 304 Top 13.5% in 1B-3B tier
49
Efficiency Ratio
profitability
Value: 64.44%
Peer Avg: 73.97%
#49 of 304 Top 15.8% in 1B-3B tier
49
Loan Growth Rate
growth
Value: 11.14%
Peer Avg: 5.27%
#49 of 304 Top 15.8% in 1B-3B tier
58
Asset Growth Rate
growth
Value: 8.80%
Peer Avg: 4.83%
#58 of 304 Top 18.8% in 1B-3B tier

Top Weaknesses (2 metrics)

272
Members Per Employee (MPE)
engagement
Value: 272.961
Peer Avg: 364.953
#272 of 304 Bottom 10.9% in 1B-3B tier
239
Total Delinquency Rate (60+ days)
risk
Value: 1.05%
Peer Avg: 0.83%
#239 of 304 Bottom 21.7% in 1B-3B tier