BlastPoint's Credit Union Scorecard
CAPROCK
Charter #16813 · TX
CAPROCK has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.23% above tier average
- + Strong member growth: 38.0% YoY
- + Member Growth Rate: Top 0.8% in tier
- + Loan Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 4.96% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 1.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,325
+38.0% YoY-0.5% QoQ
|
+1.6K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
82% |
| Assets |
$41.0M
+5.1% YoY+2.9% QoQ
|
+$10.8M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$29.0M
+10.4% YoY-0.7% QoQ
|
+$13.7M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
82% |
| Deposits |
$36.0M
+5.2% YoY+2.9% QoQ
|
+$10.3M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
71% |
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| ROA |
0.0%
-102.8% YoY-121.1% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
22% |
| NIM |
4.2%
+18.6% YoY+7.7% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
95.6%
-16.8% YoY-5.1% QoQ
|
+5.0% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
79% |
| Delinquency Rate |
1.2%
+32.1% YoY-11.2% QoQ
|
-0.3 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
69% |
| Loan To Share |
80.3%
+4.9% YoY-3.5% QoQ
|
+21.8% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
82% |
| AMR |
$15,030
-22.1% YoY+1.8% QoQ
|
+$146 |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
28.0%
+23.9% YoY+3.0% QoQ
|
+3.7% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)