BlastPoint's Credit Union Scorecard
CAPE
Charter #24841 · WV
CAPE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency ratio 6.09% above tier (higher cost structure)
- - Delinquency rate 1.57% above tier average
- - Member decline: -2.9% YoY
- - Net Worth Ratio: Bottom 4.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,184
-2.9% YoY-0.7% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$16.2M
+6.4% YoY+4.4% QoQ
|
$-14.0M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$5.3M
-13.4% YoY-1.9% QoQ
|
$-10.5M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
35% |
| Deposits |
$14.9M
+7.0% YoY+4.6% QoQ
|
$-10.8M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
0.0%
-102.5% YoY-108.4% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
3.4%
+17.6% YoY+0.0% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
88.7%
-13.5% YoY-1.1% QoQ
|
+6.1% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
3.1%
+6.8% YoY-36.5% QoQ
|
+1.6 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
Top 12.3% in tier |
| Loan To Share |
35.3%
-19.0% YoY-6.2% QoQ
|
-25.3% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.7% in tier |
| AMR |
$17,004
+3.8% YoY+3.5% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
6.7%
-39.3% YoY-6.7% QoQ
|
-17.7% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 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)