BlastPoint's Credit Union Scorecard
CAPROCK
Charter #16813 ยท TX
2596 CUs in <100M nationally
245 in TX
CAPROCK has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 36.5% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.0% in tier
- + Loan Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.96% below tier average
- - Efficiency ratio 21.42% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 1.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,365
+36.5% YoY+43.0% QoQ
|
+1.7K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
82% |
| Assets |
$39.5M
+2.7% YoY+1.1% QoQ
|
+$9.6M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
69% |
| Loans |
$29.2M
+12.6% YoY+8.0% QoQ
|
+$13.5M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
81% |
| Deposits |
$34.5M
+2.8% YoY+1.2% QoQ
|
+$9.0M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
70% |
| ROA |
-0.3%
+43.0% YoY-47.7% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.2% in tier |
| NIM |
3.8%
+8.7% YoY+3.7% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
48% |
| Efficiency Ratio |
102.8%
+4.1% YoY-2.9% QoQ
|
+21.4% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 9.6% in tier |
| Delinquency Rate |
1.3%
+49.4% YoY-18.6% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
68% |
| Loan To Share |
84.8%
+9.6% YoY+6.7% QoQ
|
+23.6% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
83% |
| AMR |
$14,600
-21.6% YoY-27.1% QoQ
|
$-26 |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
55% |
| CD Concentration |
26.4%
+2.9% YoY+7.1% QoQ
|
+1.9% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
26
Member Growth Rate
growth
Value:
36.53%
Peer Avg: 14.92%
#26 of 2596
Top 1.0% in <100M tier
201
Loan Growth Rate
growth
Value:
12.64%
Peer Avg: 59.01%
#201 of 2596
Top 7.7% in <100M tier
292
Fee Income Per Member
profitability
Value:
$163.96
Peer Avg: $182.96
#292 of 2596
Top 11.2% in <100M tier
434
Loan-to-Share Ratio
balance_sheet
Value:
84.81%
Peer Avg: 61.23%
#434 of 2596
Top 16.7% in <100M tier
481
Total Members
engagement
Value:
4,365
Peer Avg: 2,626
#481 of 2596
Top 18.5% in <100M tier
484
Total Loans
balance_sheet
Value:
$29.25M
Peer Avg: $15.77M
#484 of 2596
Top 18.6% in <100M tier
Top Weaknesses (4 metrics)
2550
AMR Growth Rate
growth
Value:
-21.56%
Peer Avg: 4.67%
#2550 of 2596
Bottom 1.8% in <100M tier
2349
Efficiency Ratio
profitability
Value:
102.82%
Peer Avg: 81.39%
#2349 of 2596
Bottom 9.6% in <100M tier
2305
Return on Assets (ROA)
profitability
Value:
-0.27%
Peer Avg: 0.68%
#2305 of 2596
Bottom 11.2% in <100M tier
2021
Share Certificate Concentration (%)
balance_sheet
Value:
26.35%
Peer Avg: 15.37%
#2021 of 2596
Bottom 22.2% in <100M tier