BlastPoint's Credit Union Scorecard
CAPITAL
Charter #24930 · TX
CAPITAL has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.52% above tier average
- + Strong member growth: 32.6% YoY
- + Fee Income Per Member: Top 0.1% in tier
- + Member Growth Rate: Top 1.1% in tier
Key Concerns
Areas that may need attention
- - ROA 3.09% below tier average
- - Efficiency ratio 22.13% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 0.5% in tier
- - Deposit Growth Rate: Bottom 0.5% in tier
- - AMR Growth Rate: Bottom 0.6% in tier
- - Members Per Employee (MPE): Bottom 3.2% in tier
- - Net Charge-Off Rate: Bottom 4.1% in tier
- - Indirect Auto Concentration (%): Bottom 4.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
854
+32.6% YoY+4.0% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$4.2M
-43.9% YoY-20.7% QoQ
|
$-25.9M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$1.7M
-19.5% YoY-5.2% QoQ
|
$-14.1M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
15% |
| Deposits |
$3.1M
-47.7% YoY-20.4% QoQ
|
$-22.6M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
16% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-2.5%
+1384.2% YoY-2521.0% QoQ
|
-3.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.4% in tier |
| NIM |
4.5%
+34.7% YoY+23.8% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
104.7%
+4.6% YoY+8.1% QoQ
|
+22.1% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.3% in tier |
| Delinquency Rate |
0.3%
-88.9% YoY
|
-1.3 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
54.0%
+53.7% YoY+19.2% QoQ
|
-6.6% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$5,567
-55.0% YoY-18.9% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.6% in tier |
| CD Concentration |
2.0%
-90.5% YoY-95.0% QoQ
|
-22.5% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
23.4%
-13.4% QoQ
|
+9.6% | 13.8% | 7.1% | 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)