BlastPoint's Credit Union Scorecard
CAPITAL AREA REALTORS
Charter #20543 · MD
CAPITAL AREA REALTORS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 0.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.34% below tier average
- - Delinquency rate 2.35% above tier average
- - Member decline: -2.5% YoY
- - Asset Growth Rate: Bottom 0.4% in tier
- - Deposit Growth Rate: Bottom 0.4% in tier
- - AMR Growth Rate: Bottom 0.7% in tier
- - Share Certificate Concentration (%): Bottom 1.2% in tier
- - Loan Growth Rate: Bottom 1.4% 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 25 that size in Maryland.
- Shares and deposits -36.3% year over year ($13.5M in shares and deposits).
- Membership: 1,002 members, -2.5% vs a year ago.
- Delinquency rate 3.89%.
- Return on assets 0.15%.
- Efficiency ratio 87.65% vs a 88.77% peer average.
- Loan-to-share ratio 69.13% 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 (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,002
-2.5% YoY-1.2% QoQ
|
-1.6K |
2,585
-1.7% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
28% |
| Assets |
$15.7M
-32.9% YoY-2.2% QoQ
|
$-14.5M |
$30.3M
+1.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
42% |
| Loans |
$9.3M
-38.4% YoY-9.2% QoQ
|
$-6.2M |
$15.5M
-1.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
49% |
| Deposits |
$13.5M
-36.3% YoY-2.4% QoQ
|
$-12.4M |
$25.8M
+1.1% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
43% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-86.7% YoY-34.2% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
Bottom 9.5% in tier |
| NIM |
3.1%
-6.7% YoY+0.0% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
19% |
| Efficiency Ratio |
87.7%
+16.4% YoY+27.5% QoQ
|
-1.1% |
88.8%
-6.9% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
67% |
| Delinquency Rate |
3.9%
-38.6% YoY+9.0% QoQ
|
+2.3 |
1.5%
+2.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.2% in tier |
| Loan To Share |
69.1%
-3.2% YoY-7.0% QoQ
|
+10.2% |
58.9%
-3.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
65% |
| AMR |
$22,707
-35.6% YoY-4.2% QoQ
|
+$8K |
$14,963
-6.8% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
Top 13.7% in tier |
| CD Concentration |
61.7%
+56.2% YoY+12.2% QoQ
|
+37.1% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.3% | 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)