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
- + Strong member growth: 37.3% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.8% in tier
- + Loan Growth Rate: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.75% below tier average
- - Efficiency ratio 18.22% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 1.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,346
+37.3% YoY-0.4% QoQ
|
+1.7K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$39.9M
+3.5% YoY+1.0% QoQ
|
+$9.7M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$29.2M
+14.0% YoY-0.3% QoQ
|
+$13.4M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$35.0M
+4.9% YoY+1.6% QoQ
|
+$9.3M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
-0.1%
+322.8% YoY-53.0% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.5% in tier |
| NIM |
3.9%
+8.7% YoY+2.3% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
100.8%
-0.9% YoY-2.0% QoQ
|
+18.2% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 10.7% in tier |
| Delinquency Rate |
1.4%
+65.5% YoY+9.5% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
83.3%
+8.8% YoY-1.8% QoQ
|
+22.7% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$14,769
-20.7% YoY+1.2% QoQ
|
$-14 |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration |
27.2%
+12.5% YoY+3.1% QoQ
|
+2.7% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 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)