BlastPoint's Credit Union Scorecard
CAPROCK SANTA FE
Charter #67441 · TX
CAPROCK SANTA FE has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.23% above tier average
- + Net Worth Ratio: Top 2.0% in tier
- + Efficiency Ratio: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.31% above tier average
- - Member decline: -4.2% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,287
-4.2% YoY-0.3% QoQ
|
+1.6K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
81% |
| Assets |
$51.6M
+3.8% YoY+0.6% QoQ
|
+$21.4M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
78% |
| Loans |
$14.7M
-11.5% YoY-4.5% QoQ
|
$-587K |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
62% |
| Deposits |
$30.0M
+3.2% YoY-0.0% QoQ
|
+$4.2M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
64% |
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| ROA |
2.4%
+30.3% YoY+13.8% QoQ
|
+2.2% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Top 3.5% in tier |
| NIM |
4.0%
-1.4% YoY-3.9% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
56% |
| Efficiency Ratio |
48.5%
-7.6% YoY-2.7% QoQ
|
-42.2% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Top 4.0% in tier |
| Delinquency Rate |
1.8%
-14.5% YoY-0.2% QoQ
|
+0.3 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
49.0%
-14.2% YoY-4.5% QoQ
|
-9.6% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
35% |
| AMR |
$10,429
+2.2% YoY-1.3% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
31% |
| CD Concentration |
30.6%
-0.0% YoY+1.8% QoQ
|
+6.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)