BlastPoint's Credit Union Scorecard
CAPSTONE
Charter #8611 · CA
CAPSTONE faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.47% below tier average
- - Efficiency ratio 5.84% above tier (higher cost structure)
- - Delinquency rate 0.14% above tier average
- - Member decline: -4.1% 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 85 that size in California.
- Shares and deposits -4.3% year over year ($27.9M in shares and deposits).
- Membership: 1,755 members, -4.1% vs a year ago.
- Delinquency rate 1.69%.
- Return on assets 0.03%.
- Efficiency ratio 94.60% vs a 88.77% peer average.
- Loan-to-share ratio 44.86% 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 (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,755
-4.1% YoY-1.0% QoQ
|
-830 |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$31.9M
-5.6% YoY-7.7% QoQ
|
+$1.6M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
61% |
| Loans |
$12.5M
+6.6% YoY-3.2% QoQ
|
$-3.0M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$27.9M
-4.3% YoY-8.8% QoQ
|
+$2.1M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
62% |
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| ROA |
0.0%
-110.9% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 1.7% in tier |
| NIM |
2.8%
+27.1% YoY+12.3% QoQ
|
-1.1% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 11.4% in tier |
| Efficiency Ratio |
94.6%
-5.2% YoY-5.1% QoQ
|
+5.8% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
1.7%
+916.4% QoQ
|
+0.1 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
44.9%
+11.4% YoY+6.1% QoQ
|
-14.0% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
29% |
| AMR |
$23,008
+3.1% YoY-6.2% QoQ
|
+$8K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 13.0% in tier |
| CD Concentration |
22.2%
+14.4% YoY+8.6% QoQ
|
-2.4% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
1.0%
-53.0% YoY-18.0% QoQ
|
-12.6% | 13.6% | 9.2% | 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)