BlastPoint's Credit Union Scorecard
PARK CITY
Charter #67196 · WI
PARK CITY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 5.6% YoY
- + Total Loans: Top 6.2% in tier
- + Member Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,973
+5.6% YoY+1.3% QoQ
|
+10.8K |
15,145
-2.5% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
Top 10.3% in tier |
| Assets |
$390.0M
+5.8% YoY+2.3% QoQ
|
+$158.3M |
$231.7M
+0.8% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
Top 12.4% in tier |
| Loans |
$293.6M
+10.2% YoY+2.2% QoQ
|
+$149.4M |
$144.1M
+0.2% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Top 6.3% in tier |
| Deposits |
$333.2M
+5.3% YoY+2.0% QoQ
|
+$132.1M |
$201.1M
+0.4% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
Top 12.9% in tier |
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| ROA |
0.8%
+21.9% YoY-9.6% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
55% |
| NIM |
3.3%
+3.1% YoY+1.2% QoQ
|
-0.3% |
3.6%
+4.6% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
30% |
| Efficiency Ratio |
74.8%
-3.2% YoY-0.7% QoQ
|
-3.2% |
78.0%
-1.7% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
37% |
| Delinquency Rate |
0.5%
+10.7% YoY+9.4% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
38% |
| Loan To Share |
88.1%
+4.7% YoY+0.2% QoQ
|
+17.7% |
70.4%
-0.4% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Top 14.1% in tier |
| AMR |
$24,132
+1.8% YoY+0.8% QoQ
|
$-786 |
$24,918
+2.7% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
57% |
| CD Concentration |
10.9%
-8.6% YoY-1.0% QoQ
|
-13.4% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % |
30.0%
+1003.8% YoY+5.5% QoQ
|
+16.2% | 13.8% | 8.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)