BlastPoint's Credit Union Scorecard
CIT-CO
Charter #9644 · WY
CIT-CO has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.70% above tier average
- + Strong member growth: 11.0% YoY
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 2.6% in tier
- + Net Charge-Off Rate: Top 4.0% in tier
- + Asset Growth Rate: Top 9.7% in tier
- + Members Per Employee (MPE): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 5.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,232
+11.0% YoY+7.8% QoQ
|
-383 |
2,615
-1.9% YoY
|
21,806
+1.7% YoY
|
33,374
+5.7% YoY
|
56% |
| Assets |
$29.0M
+9.4% YoY+5.7% QoQ
|
$-1.1M |
$30.1M
+2.1% YoY
|
$331.9M
+4.5% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$20.5M
+10.3% YoY-0.7% QoQ
|
+$4.7M |
$15.8M
-1.3% YoY
|
$248.7M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$26.3M
+9.0% YoY+5.9% QoQ
|
+$618K |
$25.7M
+1.4% YoY
|
$284.9M
+3.7% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
1.3%
+47.6% YoY+8.6% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
1.1%
+10.8% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
3.3%
+9.1% YoY+0.6% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.9%
+0.6% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
65.1%
-8.9% YoY-3.5% QoQ
|
-17.4% |
82.6%
-2.3% YoY
|
70.1%
-0.5% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.6%
+74.8% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.7%
+3.5% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
77.8%
+1.2% YoY-6.3% QoQ
|
+17.1% |
60.6%
-3.1% YoY
|
78.9%
-1.3% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$20,950
-1.3% YoY-4.5% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$23,219
+4.0% YoY
|
$19,687
+2.0% YoY
|
82% |
| CD Concentration |
28.7%
+13.4% YoY+20.8% QoQ
|
+4.2% | 24.4% | 26.5% | 19.8% | 50% |
| Indirect Auto % |
21.2%
+44.6% YoY+6.8% QoQ
|
+7.4% | 13.8% | 19.3% | 7.8% | 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)