BlastPoint's Credit Union Scorecard
PARK CITY
Charter #67196 · WI
PARK CITY has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 6.7% YoY
- + Total Loans: Top 4.9% in tier
- + Member Growth Rate: Top 6.3% in tier
- + Total Members: Top 9.7% in tier
- + Loan Growth Rate: Top 9.8% in tier
- + Loan-to-Share Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 27 that size in Wisconsin.
- Shares and deposits +6.1% year over year ($339M in shares and deposits).
- Membership: 26,773 members, +6.7% vs a year ago.
- Delinquency rate 0.36%.
- Return on assets 0.83%.
- Efficiency ratio 76.54% vs a 76.73% peer average.
- Loan-to-share ratio 92.82% vs a 71.54% 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 |
26,773
+6.7% YoY+3.1% QoQ
|
+11.6K |
15,168
-2.6% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
Top 9.8% in tier |
| Assets |
$397.4M
+7.0% YoY+1.9% QoQ
|
+$165.4M |
$232.0M
+0.7% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
Top 11.6% in tier |
| Loans |
$314.7M
+13.1% YoY+7.2% QoQ
|
+$168.4M |
$146.3M
+0.2% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
Top 5.0% in tier |
| Deposits |
$339.0M
+6.1% YoY+1.7% QoQ
|
+$138.3M |
$200.7M
+0.2% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
Top 12.1% in tier |
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| ROA |
0.8%
+17.4% YoY+8.2% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
3.3%
+1.7% YoY-0.6% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
25% |
| Efficiency Ratio |
76.5%
+0.5% YoY+2.3% QoQ
|
-0.2% |
76.7%
-0.8% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
47% |
| Delinquency Rate |
0.4%
-18.1% YoY-22.9% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
23% |
| Loan To Share |
92.8%
+6.6% YoY+5.4% QoQ
|
+21.3% |
71.5%
-0.3% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 9.9% in tier |
| AMR |
$24,417
+2.5% YoY+1.2% QoQ
|
$-689 |
$25,107
+3.2% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
57% |
| CD Concentration |
11.2%
-2.7% YoY+2.8% QoQ
|
-13.4% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
32.7%
+11.8% YoY+9.0% QoQ
|
+19.1% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)