BlastPoint's Credit Union Scorecard
CAPITOL
Charter #67865 · TX
CAPITOL has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 6.3% in tier
- + Organic Growth Engine: Top 19.5% in tier
- + Credit Quality Leader: Top 46.9% in tier
- + Wallet Share Momentum: Top 96.0% in tier
- + Net Interest Margin 0.16% above tier average
- + Member Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 10.2% in tier
- - Efficiency Drag: Bottom 15.3% in tier
- - Credit Quality Pressure: Bottom 19.3% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 9.60% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,706
+4.9% YoY+2.3% QoQ
|
-1.9K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
51% |
| Assets |
$224.6M
+4.3% YoY+1.8% QoQ
|
$-6.7M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
58% |
| Loans |
$164.0M
+10.9% YoY+1.8% QoQ
|
+$16.2M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
66% |
| Deposits |
$195.1M
+10.0% YoY+1.5% QoQ
|
$-5.2M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
0.4%
+42.8% YoY+17.1% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
25% |
| NIM |
3.7%
+9.2% YoY+1.1% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
86.9%
-4.8% YoY-0.9% QoQ
|
+9.6% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
82% |
| Delinquency Rate |
0.2%
+90.6% YoY-27.3% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 12.7% in tier |
| Loan To Share |
84.0%
+0.8% YoY+0.3% QoQ
|
+11.3% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
72% |
| AMR |
$26,198
+5.2% YoY-0.6% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
70% |
| CD Concentration |
13.3%
-11.5% YoY-1.6% QoQ
|
-11.1% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
11.6%
+6.0% YoY+1.3% QoQ
|
-2.4% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)