BlastPoint's Credit Union Scorecard
CIT-CO
Charter #9644 · WY
CIT-CO has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.77% above tier average
- + Asset Growth Rate: Top 1.6% in tier
- + Deposit Growth Rate: Top 1.7% in tier
- + Member Growth Rate: Top 7.1% in tier
- + Members Per Employee (MPE): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 5.1% in tier
- - Net Worth Ratio: Bottom 8.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,251
+4.7% YoY+0.9% QoQ
|
-425 |
2,676
+1.6% YoY
|
21,934
+2.5% YoY
|
33,913
+5.7% YoY
|
57% |
| Assets |
$31.8M
+19.4% YoY+9.6% QoQ
|
+$1.6M |
$30.2M
+1.3% YoY
|
$341.2M
+5.8% YoY
|
$578.3M
+9.0% YoY
|
61% |
| Loans |
$19.9M
+6.5% YoY-2.6% QoQ
|
+$4.6M |
$15.3M
-2.0% YoY
|
$250.8M
+3.8% YoY
|
$402.4M
+8.7% YoY
|
71% |
| Deposits |
$29.0M
+19.6% YoY+10.1% QoQ
|
+$3.2M |
$25.8M
+0.7% YoY
|
$290.8M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
63% |
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| ROA |
0.9%
+0.0% YoY-31.0% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
1.0%
-6.8% YoY
|
0.4%
-39.2% YoY
|
65% |
| NIM |
2.9%
-3.0% YoY-11.6% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.9%
-0.5% YoY
|
3.8%
+4.1% YoY
|
15% |
| Efficiency Ratio |
71.5%
-3.2% YoY+9.8% QoQ
|
-19.1% |
90.6%
+6.5% YoY
|
73.8%
+4.7% YoY
|
84.6%
+2.8% YoY
|
28% |
| Delinquency Rate |
0.6%
-1.6% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
1.7%
+17.4% YoY
|
1.2%
+3.4% YoY
|
47% |
| Loan To Share |
68.8%
-10.9% YoY-11.6% QoQ
|
+10.3% |
58.5%
-3.0% YoY
|
76.1%
-2.5% YoY
|
65.6%
-1.4% YoY
|
66% |
| AMR |
$21,709
+8.7% YoY+3.6% QoQ
|
+$7K |
$14,884
-1.7% YoY
|
$23,399
+4.1% YoY
|
$19,920
+1.6% YoY
|
84% |
| CD Concentration |
32.5%
+36.3% YoY+13.5% QoQ
|
+8.3% | 24.3% | 26.4% | 19.8% | 50% |
| Indirect Auto % |
21.6%
+46.1% YoY+2.0% QoQ
|
+7.8% | 13.8% | 19.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)