BlastPoint's Credit Union Scorecard

CAPSTONE

Charter #8611 · CA

<100M

2508 CUs in <100M nationally 92 in CA

CAPSTONE has 1 strength but faces 4 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Average Member Relationship (AMR): Top 9.2% in tier

Key Concerns

Areas that may need attention

- ROA 0.38% below tier average
- Efficiency ratio 9.03% above tier (higher cost structure)
- Member decline: -3.2% YoY
- Net Interest Margin (NIM): Bottom 7.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	1,773 -3.2% YoY-0.7% QoQ	-903	2,676 +1.6% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	47%
Assets	$34.6M -1.3% YoY+3.0% QoQ	+$4.4M	$30.2M +1.3% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	64%
Loans	$12.9M +9.3% YoY-3.4% QoQ	$-2.4M	$15.3M -2.0% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	58%
Deposits	$30.6M -1.3% YoY+4.7% QoQ	+$4.8M	$25.8M +0.7% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	65%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.2% +146.6% YoY-546.0% QoQ	-0.4%	0.1% -77.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	17%
NIM	2.5% +15.1% YoY+5.2% QoQ	-1.6%	4.0% +4.0% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Bottom 7.3% in tier
Efficiency Ratio	99.7% -3.8% YoY+1.6% QoQ	+9.0%	90.6% +6.5% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	84%
Delinquency Rate	0.2% +126.8% QoQ	-1.3	1.5% +3.8% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	27%
Loan To Share	42.3% +10.8% YoY-7.7% QoQ	-16.2%	58.5% -3.0% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	25%
AMR	$24,527 +5.0% YoY+2.9% QoQ	+$10K	$14,884 -1.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 9.3% in tier
CD Concentration	20.4% +25.6% YoY-4.5% QoQ	-3.9%	24.3%	21.6%	19.8%	50%
Indirect Auto %	1.3% -49.3% YoY-12.8% QoQ	-12.5%	13.8%	9.0%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

232

Average Member Relationship (AMR)

engagement

Value: $24,527

Peer Median: $13,926

#232 of 2508 Top 9.2% in <100M tier

278

Loan Growth Rate

growth

Value: 9.34%

Peer Median: -2.36%

#278 of 2508 Top 11.0% in <100M tier

562

Loan-to-Member Ratio (LMR)

engagement

Value: $7,288

Peer Median: $4,923

#562 of 2508 Top 22.4% in <100M tier

Top Weaknesses (6 metrics)

2326

Net Interest Margin (NIM)

profitability

Value: 2.46%

Peer Median: 3.83%

#2326 of 2508 Bottom 7.3% in <100M tier

2179

Indirect Auto Concentration (%)

balance_sheet

Value: 1.27%

Peer Median: 0.00%

#2179 of 2508 Bottom 13.2% in <100M tier

2109

Efficiency Ratio

profitability

Value: 99.66%

Peer Median: 81.45%

#2109 of 2508 Bottom 15.9% in <100M tier

2085

Return on Assets (ROA)

profitability

Value: -0.23%

Peer Median: 0.61%

#2085 of 2508 Bottom 16.9% in <100M tier

1919

First Mortgage Concentration (%)

balance_sheet

Value: 27.15%

Peer Median: 3.66%

#1919 of 2508 Bottom 23.5% in <100M tier

1889

Loan-to-Share Ratio

balance_sheet

Value: 42.28%

Peer Median: 58.72%

#1889 of 2508 Bottom 24.7% in <100M tier