BlastPoint's Credit Union Scorecard
CAPROCK SANTA FE
Charter #67441 · TX
CAPROCK SANTA FE has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.65% above tier average
- + Net Interest Margin 0.10% above tier average
- + Net Worth Ratio: Top 1.8% in tier
- + Efficiency Ratio: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.22% above tier average
- - Member decline: -5.6% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +1.3% year over year ($29.6M in shares and deposits).
- Membership: 4,179 members, -5.6% vs a year ago.
- Delinquency rate 1.77%.
- Return on assets 2.14%.
- Efficiency ratio 50.93% vs a 88.77% peer average.
- Loan-to-share ratio 49.44% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,179
-5.6% YoY-2.5% QoQ
|
+1.6K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
81% |
| Assets |
$51.5M
+3.0% YoY-0.1% QoQ
|
+$21.2M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
78% |
| Loans |
$14.6M
-10.9% YoY-0.6% QoQ
|
$-847K |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
61% |
| Deposits |
$29.6M
+1.3% YoY-1.5% QoQ
|
+$3.8M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
64% |
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| ROA |
2.1%
+3.7% YoY-10.1% QoQ
|
+0.6% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 8.2% in tier |
| NIM |
4.0%
-3.3% YoY+1.1% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
56% |
| Efficiency Ratio |
50.9%
+3.4% YoY+5.1% QoQ
|
-37.8% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 4.7% in tier |
| Delinquency Rate |
1.8%
-1.7% YoY-2.4% QoQ
|
+0.2 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
75% |
| Loan To Share |
49.4%
-12.0% YoY+1.0% QoQ
|
-9.5% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$10,569
+2.6% YoY+1.3% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
31% |
| CD Concentration |
31.4%
+1.1% YoY+2.5% QoQ
|
+6.8% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 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)