BlastPoint's Credit Union Scorecard
CAPITAL AREA TAIWANESE
Charter #22652 · MD
CAPITAL AREA TAIWANESE has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 1.3% in tier
- + Loan-to-Member Ratio (LMR): Top 1.4% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Efficiency ratio 21.43% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 0.1% in tier
- - Net Interest Margin (NIM): Bottom 0.5% in tier
- - First Mortgage Concentration (%): Bottom 0.5% in tier
- - Fee Income Per Member: Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
511
-0.6% YoY-0.2% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 13.8% in tier |
| Assets |
$13.1M
+2.9% YoY+5.2% QoQ
|
$-17.1M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$8.3M
-4.1% YoY-1.6% QoQ
|
$-7.4M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$11.7M
+3.4% YoY+5.9% QoQ
|
$-14.0M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
-0.0%
-95.0% YoY-85.5% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
15% |
| NIM |
0.6%
+160.7% YoY+28.0% QoQ
|
-3.3% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.4% in tier |
| Efficiency Ratio |
104.0%
-66.1% YoY-23.0% QoQ
|
+21.4% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
Top 8.8% in tier |
| Delinquency Rate | 0.1% | -1.4 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
71.5%
-7.3% YoY-7.1% QoQ
|
+10.9% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$39,109
+0.7% YoY+2.8% QoQ
|
+$24K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
Top 1.4% in tier |
| CD Concentration |
93.4%
-0.3% YoY+0.5% QoQ
|
+69.0% | 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)