CAPITAL AREA TAIWANESE
Charter #22652 | MD
<100M
(2596 CUs)
Micro
($0-$500M)
28 <100M in MD
CAPITAL AREA TAIWANESE has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.3% in tier
- + Average Member Relationship (AMR): Top 1.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.86% below tier average
- - Efficiency ratio 53.71% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 0.2% in tier
- - Net Interest Margin (NIM): Bottom 0.5% in tier
- - First Mortgage Concentration (%): Bottom 0.7% in tier
- - Fee Income Per Member: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
512
-1.3% YoY-0.6% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
Bottom 14.1% in tier |
| Assets |
$12.4M
+0.9% YoY-2.0% QoQ
|
$-17.4M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
37th in tier |
| Loans |
$8.5M
+3.2% YoY-4.3% QoQ
|
$-7.3M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
46th in tier |
| Deposits |
$11.0M
+1.4% YoY-2.3% QoQ
|
$-14.5M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
39th in tier |
| ROA |
-0.2%
-64.0% YoY-34.0% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.8% in tier |
| NIM |
0.5%
+109.0% YoY+18.7% QoQ
|
-3.4% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.4% in tier |
| Efficiency Ratio |
135.1%
-55.3% YoY-17.1% QoQ
|
+53.7% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
Top 3.0% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
77.0%
+1.9% YoY-2.1% QoQ
|
+15.8% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
73rd in tier |
| AMR |
$38,037
+3.6% YoY-2.6% QoQ
|
+$23K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
Top 1.4% in tier |
| CD Concentration |
93.0%
-0.6% YoY+0.0% QoQ
|
+68.6% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
35
Loan-to-Member Ratio (LMR)
engagement
Value:
$16,549
Peer Avg: $5,488
#35 of 2596
Top 1.3% in <100M tier
36
Average Member Relationship (AMR)
engagement
Value:
$38,037
Peer Avg: $14,627
#36 of 2596
Top 1.3% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
360
Members Per Employee (MPE)
engagement
Value:
512.000
Peer Avg: 365.701
#360 of 2596
Top 13.8% in <100M tier
Top Weaknesses (7 metrics)
2592
Share Certificate Concentration (%)
balance_sheet
Value:
92.97%
Peer Avg: 15.37%
#2592 of 2596
Bottom 0.2% in <100M tier
2585
Net Interest Margin (NIM)
profitability
Value:
0.50%
Peer Avg: 3.93%
#2585 of 2596
Bottom 0.5% in <100M tier
2580
First Mortgage Concentration (%)
balance_sheet
Value:
95.13%
Peer Avg: 14.49%
#2580 of 2596
Bottom 0.7% in <100M tier
2518
Efficiency Ratio
profitability
Value:
135.10%
Peer Avg: 81.39%
#2518 of 2596
Bottom 3.0% in <100M tier
2413
Fee Income Per Member
profitability
Value:
$0.77
Peer Avg: $182.96
#2413 of 2596
Bottom 7.1% in <100M tier
2264
Return on Assets (ROA)
profitability
Value:
-0.18%
Peer Avg: 0.68%
#2264 of 2596
Bottom 12.8% in <100M tier
2229
Total Members
engagement
Value:
512
Peer Avg: 2,626
#2229 of 2596
Bottom 14.2% in <100M tier