BlastPoint's Credit Union Scorecard
CAPITAL
Charter #66865 · WI
CAPITAL has 6 strengths but faces 3 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 61.8% in tier
- + ROA 0.19% above tier average
- + Total Loans: Top 0.3% in tier
- + Total Assets: Top 3.7% in tier
- + Total Deposits: Top 6.0% in tier
- + Loan-to-Member Ratio (LMR): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 14.9% in tier
- - Indirect Auto Dependency: Bottom 74.2% in tier
- - Members Per Employee (MPE): Bottom 7.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Wisconsin.
- Shares and deposits +6.4% year over year ($2.37B in shares and deposits).
- Membership: 129,276 members, +2.9% vs a year ago.
- Delinquency rate 0.90%.
- Return on assets 1.00%.
- Efficiency ratio 64.67% vs a 73.02% peer average.
- Loan-to-share ratio 100.15% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
129,276
+2.9% YoY+1.3% QoQ
|
+32.4K |
96,861
-1.9% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$2.8B
+2.6% YoY-1.9% QoQ
|
+$1.1B |
$1.7B
+0.4% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
Top 4.0% in tier |
| Loans |
$2.4B
+3.7% YoY+1.8% QoQ
|
+$1.1B |
$1.2B
+0.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
Top 0.7% in tier |
| Deposits |
$2.4B
+6.4% YoY+0.6% QoQ
|
+$909.2M |
$1.5B
+0.5% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
Top 6.3% in tier |
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| ROA |
1.0%
+9.6% YoY+1.9% QoQ
|
+0.2% |
0.8%
+27.6% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
3.3%
+3.7% YoY+4.0% QoQ
|
-0.2% |
3.4%
+6.6% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
35% |
| Efficiency Ratio |
64.7%
-1.9% YoY-3.7% QoQ
|
-8.4% |
73.0%
-2.7% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
16% |
| Delinquency Rate |
0.9%
-9.6% YoY+17.0% QoQ
|
+0.0 |
0.9%
+7.3% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
67% |
| Loan To Share |
100.2%
-2.5% YoY+1.2% QoQ
|
+15.4% |
84.7%
+0.1% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 13.0% in tier |
| AMR |
$36,733
+2.0% YoY-0.1% QoQ
|
+$7K |
$29,575
+1.5% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
Top 13.7% in tier |
| CD Concentration |
28.8%
-6.2% YoY-1.5% QoQ
|
-0.3% | 29.1% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
23.4%
+1.7% YoY+5.4% QoQ
|
+5.3% | 18.1% | 8.4% | 7.7% | 67% |
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)