BlastPoint's Credit Union Scorecard
CAPITAL AREA REALTORS
Charter #20543 · MD
2596 CUs in <100M nationally
28 in MD
CAPITAL AREA REALTORS has 10 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 1.2% in tier
- + Deposit Growth Rate: Top 1.3% in tier
- + Average Member Relationship (AMR): Top 1.6% in tier
- + Fee Income Per Member: Top 1.9% in tier
- + Loan-to-Member Ratio (LMR): Top 3.5% in tier
- + AMR Growth Rate: Top 6.4% in tier
- + Member Growth Rate: Top 9.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.36% above tier average
- - Share Certificate Concentration (%): Bottom 4.5% in tier
- - First Mortgage Concentration (%): Bottom 4.8% in tier
- - Net Worth Ratio: Bottom 8.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,039
+3.8% YoY+1.1% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$26.2M
+22.8% YoY+11.9% QoQ
|
$-3.6M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
56% |
| Loans |
$13.3M
+4.5% YoY-12.1% QoQ
|
$-2.5M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
58% |
| Deposits |
$23.9M
+24.8% YoY+12.9% QoQ
|
$-1.6M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
0.7%
+41.3% YoY-39.3% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
46% |
| NIM |
2.9%
-27.3% YoY-11.6% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
15% |
| Efficiency Ratio |
78.5%
-12.2% YoY+4.2% QoQ
|
-2.9% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
50% |
| Delinquency Rate |
3.9%
+47.3% YoY-39.0% QoQ
|
+2.4 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
Top 8.8% in tier |
| Loan To Share |
55.6%
-16.3% YoY-22.1% QoQ
|
-5.6% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
41% |
| AMR |
$35,731
+12.4% YoY+1.4% QoQ
|
+$21K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
Top 1.6% in tier |
| CD Concentration |
47.6%
+45.8% YoY+20.5% QoQ
|
+23.2% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
+4.0% 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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
32
Asset Growth Rate
growth
Value:
22.84%
Peer Avg: -
#32 of 2596
Top 1.2% in <100M tier
34
Deposit Growth Rate
growth
Value:
24.80%
Peer Avg: -
#34 of 2596
Top 1.3% in <100M tier
42
Average Member Relationship (AMR)
engagement
Value:
$35,731
Peer Avg: -
#42 of 2596
Top 1.6% in <100M tier
51
Fee Income Per Member
profitability
Value:
$317.25
Peer Avg: -
#51 of 2596
Top 1.9% in <100M tier
93
Loan-to-Member Ratio (LMR)
engagement
Value:
$12,773
Peer Avg: -
#93 of 2596
Top 3.5% in <100M tier
168
AMR Growth Rate
growth
Value:
12.43%
Peer Avg: -
#168 of 2596
Top 6.4% in <100M tier
239
Member Growth Rate
growth
Value:
3.80%
Peer Avg: -
#239 of 2596
Top 9.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
569
Loan Growth Rate
growth
Value:
4.51%
Peer Avg: -
#569 of 2596
Top 21.9% in <100M tier
Top Weaknesses (6 metrics)
2481
Share Certificate Concentration (%)
balance_sheet
Value:
47.57%
Peer Avg: -
#2481 of 2596
Bottom 4.5% in <100M tier
2473
First Mortgage Concentration (%)
balance_sheet
Value:
57.08%
Peer Avg: -
#2473 of 2596
Bottom 4.8% in <100M tier
2389
Net Worth Ratio
risk
Value:
8.75%
Peer Avg: -
#2389 of 2596
Bottom 8.0% in <100M tier
2368
Total Delinquency Rate (60+ days)
risk
Value:
3.87%
Peer Avg: -
#2368 of 2596
Bottom 8.8% in <100M tier
2195
Net Interest Margin (NIM)
profitability
Value:
2.90%
Peer Avg: -
#2195 of 2596
Bottom 15.5% in <100M tier
2160
Members Per Employee (MPE)
engagement
Value:
207.800
Peer Avg: -
#2160 of 2596
Bottom 16.8% in <100M tier