BlastPoint's Credit Union Scorecard
CAPROCK SANTA FE
Charter #67441 ยท TX
2596 CUs in <100M nationally
245 in TX
CAPROCK SANTA FE has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.47% above tier average
- + Net Interest Margin 0.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.2% in tier
- + Efficiency Ratio: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.46% above tier average
- - Member decline: -4.4% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,311
-4.4% YoY-2.6% QoQ
|
+1.7K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
81% |
| Assets |
$50.8M
+2.6% YoY+1.6% QoQ
|
+$20.9M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
78% |
| Loans |
$16.1M
-4.7% YoY-2.1% QoQ
|
+$289K |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$29.7M
+0.8% YoY+1.8% QoQ
|
+$4.3M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
65% |
| ROA |
2.2%
+16.8% YoY+4.4% QoQ
|
+1.5% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 6.8% in tier |
| NIM |
4.2%
+0.5% YoY+0.6% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
61% |
| Efficiency Ratio |
49.1%
-3.4% YoY-0.3% QoQ
|
-32.2% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.0% in tier |
| Delinquency Rate |
2.0%
+7.7% YoY+9.7% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
54.0%
-5.5% YoY-3.8% QoQ
|
-7.2% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$10,616
+3.4% YoY+3.1% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration |
31.5%
+7.1% YoY+1.4% QoQ
|
+7.1% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% 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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
57
Net Worth Ratio
risk
Value:
40.81%
Peer Avg: 16.43%
#57 of 2596
Top 2.2% in <100M tier
156
Efficiency Ratio
profitability
Value:
49.15%
Peer Avg: 81.39%
#156 of 2596
Top 6.0% in <100M tier
176
Return on Assets (ROA)
profitability
Value:
2.15%
Peer Avg: 0.68%
#176 of 2596
Top 6.7% in <100M tier
493
Total Members
engagement
Value:
4,311
Peer Avg: 2,626
#493 of 2596
Top 19.0% in <100M tier
582
Total Assets
balance_sheet
Value:
$50.79M
Peer Avg: $29.86M
#582 of 2596
Top 22.4% in <100M tier
607
Members Per Employee (MPE)
engagement
Value:
431.100
Peer Avg: 365.701
#607 of 2596
Top 23.3% in <100M tier
Top Weaknesses (4 metrics)
2308
Net Charge-Off Rate
risk
Value:
1.21%
Peer Avg: 0.57%
#2308 of 2596
Bottom 11.1% in <100M tier
2204
Share Certificate Concentration (%)
balance_sheet
Value:
31.47%
Peer Avg: 15.37%
#2204 of 2596
Bottom 15.1% in <100M tier
2067
Member Growth Rate
growth
Value:
-4.41%
Peer Avg: 14.92%
#2067 of 2596
Bottom 20.4% in <100M tier
2059
Total Delinquency Rate (60+ days)
risk
Value:
1.97%
Peer Avg: 1.51%
#2059 of 2596
Bottom 20.7% in <100M tier