BlastPoint's Credit Union Scorecard

CAMPUS USA

Charter #68391 · FL

Mid-Market 3B-5B

Campus USA at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Campus USA is one of 101 credit unions in the 2026 VentureTech card set. We also found Campus USA's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Campus USA

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CAMPUS USA
PEER · AT VENTURETECH
CAMPUS USA'S BIGGEST OPPORTUNITY

77 CUs in 3B-5B nationally 7 in FL

View Mid-Market leaderboard →

CAMPUS USA has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 4.6% in tier
+ ROA 0.34% above tier average
+ AMR Growth Rate: Top 2.6% in tier
+ Loan-to-Member Ratio (LMR): Top 7.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 15.3% in tier
- Liquidity Strain: Bottom 21.1% in tier
- Membership Headwinds: Bottom 90.6% in tier
- Stagnation Risk: Bottom 90.6% in tier
- Member decline: -3.1% YoY

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	164,703 -3.1% YoY+1.2% QoQ	-51.8K	216,545 -9.5% YoY	74,629 +8.2% YoY	34,678 +6.6% YoY	18%
Assets	$4.0B +10.7% YoY+2.0% QoQ	+$141.8M	$3.9B -1.6% YoY	$1.2B +11.8% YoY	$593.1M +10.2% YoY	53%
Loans	$3.4B +13.8% YoY+3.9% QoQ	+$431.0M	$2.9B -1.2% YoY	$865.0M +13.2% YoY	$418.6M +10.1% YoY	73%
Deposits	$3.4B +10.0% YoY+1.5% QoQ	+$163.3M	$3.3B -2.6% YoY	$1.0B +12.3% YoY	$504.8M +10.3% YoY	53%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.3% +3.9% YoY+5.9% QoQ	+0.3%	0.9% +25.3% YoY	0.7% +7.2% YoY	1.2% +121.4% YoY	79%
NIM	3.0% +2.0% YoY+0.7% QoQ	-0.3%	3.2% +3.8% YoY	3.6% +3.4% YoY	3.8% +2.3% YoY	27%
Efficiency Ratio	60.2% +0.6% YoY-4.0% QoQ	-9.3%	69.5% -2.3% YoY	79.7% +3.1% YoY	83.0% -5.3% YoY	16%
Delinquency Rate	0.4% -13.2% YoY+8.2% QoQ	-0.5	0.8% +5.5% YoY	0.7% +5.6% YoY	1.3% +2.6% YoY	Top 14.3% in tier
Loan To Share	98.3% +3.5% YoY+2.4% QoQ	+8.1%	90.2% +0.9% YoY	70.8% +0.7% YoY	66.4% -1.4% YoY	68%
AMR	$41,181 +15.4% YoY+1.5% QoQ	+$10K	$31,018 +6.9% YoY	$23,115 +4.1% YoY	$20,028 -0.9% YoY	Top 11.7% in tier
CD Concentration	42.1% +6.3% YoY-0.1% QoQ	+13.0%	29.1%	24.7%	20.0%	Top 9.1% in tier
Indirect Auto %	34.3% +3.9% YoY+0.1% QoQ	+16.2%	18.1%	10.8%	7.7%	83%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#6 of 69 • Top 4.6% 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): 15.41%

(Tier: 3.62%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $3.2K, National: $2.1K)

but worse than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | Rank improving

Wallet Share Momentum

growth

#17 of 125 • Top 4.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 15.41%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#7 of 193 • Bottom 15.3% in tier

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

Why This Signature

Asset Growth (YoY): 10.72%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 34.29%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -3.09%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Liquidity Strain

risk

#42 of 168 • Bottom 21.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.29%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 13.83%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline

#36 of 86 • Bottom 90.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.09%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Stagnation Risk

risk

#74 of 86 • Bottom 90.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.09%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 13.83%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.38%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

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)

Compare against:

Comparing against 77 peers in tier

Top Strengths (10 metrics)

AMR Growth Rate

growth

Value: 15.41%

Peer Median: 3.17%

#3 of 77 Top 2.6% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,413

Peer Median: $13,282

#7 of 77 Top 7.8% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $41,181

Peer Median: $28,880

#9 of 77 Top 10.4% in 3B-5B tier

Loan Growth Rate

growth

Value: 13.83%

Peer Median: 6.20%

#11 of 77 Top 13.0% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.38%

Peer Median: 0.63%

#12 of 77 Top 14.3% in 3B-5B tier

Efficiency Ratio

profitability

Value: 60.17%

Peer Median: 68.32%

#13 of 77 Top 15.6% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 1.27%

Peer Median: 0.94%

#16 of 77 Top 19.5% in 3B-5B tier

Asset Growth Rate

growth

Value: 10.72%

Peer Median: 5.91%

#16 of 77 Top 19.5% in 3B-5B tier

Deposit Growth Rate

growth

Value: 9.95%

Peer Median: 5.62%

#16 of 77 Top 19.5% in 3B-5B tier

Net Worth Ratio

risk

Value: 12.25%

Peer Median: 10.81%

#18 of 77 Top 22.1% in 3B-5B tier

Top Weaknesses (4 metrics)

Member Growth Rate

growth

Value: -3.09%

Peer Median: 3.08%

#69 of 77 Bottom 11.7% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 42.12%

Peer Median: 32.00%

#66 of 77 Bottom 15.6% in 3B-5B tier

Total Members

engagement

Value: 164,703

Peer Median: 211,695

#63 of 77 Bottom 19.5% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 34.29%

Peer Median: 18.00%

#62 of 77 Bottom 20.8% in 3B-5B tier