BlastPoint's Credit Union Scorecard
CAPITOL
Charter #67865 · TX
CAPITOL has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Net Interest Margin 0.10% above tier average
- + Strong member growth: 5.5% YoY
- + Member Growth Rate: Top 8.4% in tier
- + Loan Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 8.75% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,971
+5.5% YoY+1.9% QoQ
|
-1.5K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$229.8M
+5.2% YoY+2.3% QoQ
|
$-2.1M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$168.8M
+13.0% YoY+3.0% QoQ
|
+$21.5M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$199.9M
+4.8% YoY+2.4% QoQ
|
$-949K |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
0.5%
+51.1% YoY+33.5% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
3.7%
+7.1% YoY-0.9% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
55% |
| Efficiency Ratio |
85.8%
-3.8% YoY-1.3% QoQ
|
+8.8% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.3%
+66.5% YoY+26.1% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 14.4% in tier |
| Loan To Share |
84.5%
+7.8% YoY+0.5% QoQ
|
+12.2% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$26,390
+2.8% YoY+0.7% QoQ
|
+$2K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
13.5%
-1.7% YoY+1.6% QoQ
|
-10.9% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
11.4%
+2.2% YoY-2.3% QoQ
|
-2.4% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (3)
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.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)