BlastPoint's Credit Union Scorecard
CAPITAL
Charter #24930 · TX
2596 CUs in <100M nationally
245 in TX
CAPITAL has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 46.6% YoY
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.2% in tier
- + Member Growth Rate: Top 0.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Efficiency ratio 15.46% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 0.9% in tier
- - Asset Growth Rate: Bottom 1.1% in tier
- - Deposit Growth Rate: Bottom 1.4% in tier
- - Net Charge-Off Rate: Bottom 3.4% in tier
- - Members Per Employee (MPE): Bottom 3.4% in tier
- - Indirect Auto Concentration (%): Bottom 4.5% in tier
- - Share Certificate Concentration (%): Bottom 7.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
821
+46.6% YoY+5.0% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
24% |
| Assets |
$5.3M
-22.0% YoY-19.5% QoQ
|
$-24.5M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$1.8M
-12.4% YoY-9.9% QoQ
|
$-14.0M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$3.9M
-23.3% YoY-21.7% QoQ
|
$-21.6M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
19% |
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| ROA |
0.1%
-89.1% YoY-81.5% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
3.6%
+9.6% YoY+8.3% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
39% |
| Efficiency Ratio |
96.9%
+2.0% YoY+1.5% QoQ
|
+15.5% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 13.8% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
45.4%
+14.3% YoY+15.1% QoQ
|
-15.9% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$6,868
-45.6% YoY-22.2% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.6% in tier |
| CD Concentration |
39.8%
+598.3% YoY+152.7% QoQ
|
+15.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
27.0%
-13.8% QoQ
|
+13.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% 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 (5 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
5
Fee Income Per Member
profitability
Value:
$1,924
Peer Avg: -
#5 of 2596
Top 0.2% in <100M tier
16
Member Growth Rate
growth
Value:
46.61%
Peer Avg: -
#16 of 2596
Top 0.6% in <100M tier
306
Net Worth Ratio
risk
Value:
24.52%
Peer Avg: -
#306 of 2596
Top 11.7% in <100M tier
Top Weaknesses (16 metrics)
2574
AMR Growth Rate
growth
Value:
-45.59%
Peer Avg: -
#2574 of 2596
Bottom 0.9% in <100M tier
2569
Asset Growth Rate
growth
Value:
-22.03%
Peer Avg: -
#2569 of 2596
Bottom 1.1% in <100M tier
2561
Deposit Growth Rate
growth
Value:
-23.34%
Peer Avg: -
#2561 of 2596
Bottom 1.4% in <100M tier
2510
Net Charge-Off Rate
risk
Value:
2.89%
Peer Avg: -
#2510 of 2596
Bottom 3.4% in <100M tier
2509
Members Per Employee (MPE)
engagement
Value:
10.136
Peer Avg: -
#2509 of 2596
Bottom 3.4% in <100M tier
2481
Indirect Auto Concentration (%)
balance_sheet
Value:
26.96%
Peer Avg: -
#2481 of 2596
Bottom 4.5% in <100M tier
2403
Share Certificate Concentration (%)
balance_sheet
Value:
39.76%
Peer Avg: -
#2403 of 2596
Bottom 7.5% in <100M tier
2238
Efficiency Ratio
profitability
Value:
96.85%
Peer Avg: -
#2238 of 2596
Bottom 13.8% in <100M tier
2223
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,143
Peer Avg: -
#2223 of 2596
Bottom 14.4% in <100M tier
2217
Average Member Relationship (AMR)
engagement
Value:
$6,868
Peer Avg: -
#2217 of 2596
Bottom 14.6% in <100M tier