BlastPoint's Credit Union Scorecard
CIT-CO
Charter #9644 · WY
CIT-CO has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.09% above tier average
- + Fee Income Per Member: Top 0.5% in tier
- + Efficiency Ratio: Top 0.7% in tier
- + Asset Growth Rate: Top 0.8% in tier
- + Deposit Growth Rate: Top 1.4% in tier
- + Member Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 5.1% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 7 that size in Wyoming.
- Shares and deposits +20.6% year over year ($29.4M in shares and deposits).
- Membership: 2,253 members, +3.7% vs a year ago.
- Delinquency rate 0.51%.
- Return on assets 4.58%.
- Efficiency ratio 33.09% vs a 88.77% peer average.
- Loan-to-share ratio 68.72% vs a 58.89% 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 (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,253
+3.7% YoY+0.1% QoQ
|
-332 |
2,585
-1.7% YoY
|
22,105
+2.3% YoY
|
34,678
+6.6% YoY
|
57% |
| Assets |
$32.9M
+22.3% YoY+3.5% QoQ
|
+$2.7M |
$30.3M
+1.5% YoY
|
$345.9M
+6.0% YoY
|
$593.1M
+10.2% YoY
|
62% |
| Loans |
$20.2M
+5.1% YoY+1.6% QoQ
|
+$4.8M |
$15.5M
-1.7% YoY
|
$256.8M
+5.3% YoY
|
$418.6M
+10.1% YoY
|
71% |
| Deposits |
$29.4M
+20.6% YoY+1.7% QoQ
|
+$3.6M |
$25.8M
+1.1% YoY
|
$290.0M
+5.4% YoY
|
$504.8M
+10.3% YoY
|
64% |
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| ROA |
4.6%
+312.0% YoY+401.8% QoQ
|
+3.1% |
1.5%
+241.5% YoY
|
1.4%
+23.8% YoY
|
1.2%
+121.4% YoY
|
Top 1.9% in tier |
| NIM |
3.0%
-6.0% YoY+1.7% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
3.9%
-1.1% YoY
|
3.8%
+2.3% YoY
|
15% |
| Efficiency Ratio |
33.1%
-52.4% YoY-53.7% QoQ
|
-55.7% |
88.8%
-6.9% YoY
|
70.6%
+1.3% YoY
|
83.0%
-5.3% YoY
|
Top 0.7% in tier |
| Delinquency Rate |
0.5%
+834.4% YoY-12.0% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
2.3%
+31.5% YoY
|
1.3%
+2.6% YoY
|
42% |
| Loan To Share |
68.7%
-12.9% YoY-0.1% QoQ
|
+9.8% |
58.9%
-3.1% YoY
|
76.6%
-2.2% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$22,042
+9.7% YoY+1.5% QoQ
|
+$7K |
$14,963
-6.8% YoY
|
$23,513
+4.1% YoY
|
$20,028
-0.9% YoY
|
84% |
| CD Concentration |
33.4%
+44.7% YoY+2.6% QoQ
|
+8.8% | 24.6% | 26.8% | 20.0% | 50% |
| Indirect Auto % |
21.7%
+19.9% YoY+0.3% QoQ
|
+8.1% | 13.6% | 19.1% | 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)