BlastPoint's Credit Union Scorecard
CAPITAL AREA REALTORS
Charter #20543 · MD
CAPITAL AREA REALTORS has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 1.6% in tier
- + Average Member Relationship (AMR): Top 3.6% in tier
- + Loan-to-Member Ratio (LMR): Top 4.3% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Efficiency ratio 6.99% above tier (higher cost structure)
- - Delinquency rate 2.39% above tier average
- - Asset Growth Rate: Bottom 3.6% in tier
- - Deposit Growth Rate: Bottom 4.3% in tier
- - First Mortgage Concentration (%): Bottom 4.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.9% in tier
- - Share Certificate Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,028
0% YoY-1.1% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$21.7M
-11.1% YoY-17.1% QoQ
|
$-8.4M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$12.7M
+8.4% YoY-4.7% QoQ
|
$-3.1M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$19.4M
-12.6% YoY-18.8% QoQ
|
$-6.3M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
0.3%
-292.3% YoY-58.5% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
2.9%
-17.9% YoY+1.0% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
89.6%
-8.6% YoY+14.1% QoQ
|
+7.0% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
3.9%
-0.8% YoY+2.1% QoQ
|
+2.4 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
Top 8.9% in tier |
| Loan To Share |
65.3%
+24.0% YoY+17.4% QoQ
|
+4.7% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$31,155
-5.4% YoY-12.8% QoQ
|
+$16K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
Top 3.6% in tier |
| CD Concentration |
38.1%
-9.5% YoY-19.9% QoQ
|
+13.7% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 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)