BlastPoint's Credit Union Scorecard
CAPITAL AREA REALTORS
Charter #20543 · MD
CAPITAL AREA REALTORS has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
- + Fee Income Per Member: Top 0.4% in tier
- + Loan-to-Member Ratio (LMR): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.07% above tier average
- - Asset Growth Rate: Bottom 0.5% in tier
- - Deposit Growth Rate: Bottom 0.5% in tier
- - AMR Growth Rate: Bottom 0.8% in tier
- - Share Certificate Concentration (%): Bottom 2.1% in tier
- - Loan Growth Rate: Bottom 2.3% in tier
- - Net Charge-Off Rate: Bottom 5.0% in tier
- - First Mortgage Concentration (%): Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,014
-1.2% YoY-1.4% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
29% |
| Assets |
$16.1M
-32.6% YoY-26.0% QoQ
|
$-14.1M |
$30.2M
+1.3% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
42% |
| Loans |
$10.2M
-32.0% YoY-19.0% QoQ
|
$-5.0M |
$15.3M
-2.0% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
52% |
| Deposits |
$13.8M
-36.4% YoY-28.8% QoQ
|
$-12.0M |
$25.8M
+0.7% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
43% |
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| ROA |
0.2%
-74.4% YoY-19.8% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
31% |
| NIM |
3.1%
+16.5% YoY+4.5% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
20% |
| Efficiency Ratio |
68.8%
-10.6% YoY-23.2% QoQ
|
-21.9% |
90.6%
+6.5% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
24% |
| Delinquency Rate |
3.6%
+6.4% YoY-9.5% QoQ
|
+2.1 |
1.5%
+3.8% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.2% in tier |
| Loan To Share |
74.3%
+7.0% YoY+13.8% QoQ
|
+15.8% |
58.5%
-3.0% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
73% |
| AMR |
$23,703
-33.8% YoY-23.9% QoQ
|
+$9K |
$14,884
-1.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
Top 11.0% in tier |
| CD Concentration |
55.0%
+28.7% YoY+44.2% QoQ
|
+30.7% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)