BlastPoint's Credit Union Scorecard
CAPROCK
Charter #16813 · TX
CAPROCK has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.46% above tier average
- + Strong member growth: 43.4% YoY
- + Member Growth Rate: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.45% below tier average
- - Efficiency ratio 6.45% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 1.2% 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 239 that size in Texas.
- Shares and deposits +4.2% year over year ($35.5M in shares and deposits).
- Membership: 4,378 members, +43.4% vs a year ago.
- Delinquency rate 1.43%.
- Return on assets 0.05%.
- Efficiency ratio 95.21% vs a 88.77% peer average.
- Loan-to-share ratio 83.58% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,378
+43.4% YoY+1.2% QoQ
|
+1.8K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$40.4M
+3.5% YoY-1.4% QoQ
|
+$10.2M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
69% |
| Loans |
$29.7M
+9.5% YoY+2.4% QoQ
|
+$14.2M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$35.5M
+4.2% YoY-1.5% QoQ
|
+$9.7M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
70% |
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| ROA |
0.0%
-108.8% YoY
|
-1.4% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.4% in tier |
| NIM |
4.4%
+17.4% YoY+2.8% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
71% |
| Efficiency Ratio |
95.2%
-10.1% YoY-0.4% QoQ
|
+6.4% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
1.4%
-7.4% YoY+16.9% QoQ
|
-0.1 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
70% |
| Loan To Share |
83.6%
+5.1% YoY+4.0% QoQ
|
+24.7% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
84% |
| AMR |
$14,883
-25.7% YoY-1.0% QoQ
|
$-80 |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
55% |
| CD Concentration |
27.0%
+9.8% YoY-3.4% QoQ
|
+2.5% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 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)