BlastPoint's Credit Union Scorecard
CAPITAL AREA
Charter #9919 · ME
CAPITAL AREA has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.16% above tier average
- + Net Interest Margin 0.22% above tier average
- + Net Charge-Off Rate: Top 2.5% in tier
- + Loan-to-Member Ratio (LMR): Top 3.9% in tier
- + Total Loans: Top 4.9% in tier
- + Average Member Relationship (AMR): Top 5.7% in tier
- + Fee Income Per Member: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,957
-1.7% YoY-0.4% QoQ
|
+1.3K |
2,676
+1.6% YoY
|
16,050
+1.9% YoY
|
33,913
+5.7% YoY
|
79% |
| Assets |
$71.7M
+5.6% YoY+2.1% QoQ
|
+$41.5M |
$30.2M
+1.3% YoY
|
$279.7M
+5.3% YoY
|
$578.3M
+9.0% YoY
|
Top 11.6% in tier |
| Loans |
$49.8M
-5.8% YoY-3.9% QoQ
|
+$34.5M |
$15.3M
-2.0% YoY
|
$190.6M
+4.6% YoY
|
$402.4M
+8.7% YoY
|
Top 5.0% in tier |
| Deposits |
$58.2M
+4.8% YoY+2.2% QoQ
|
+$32.5M |
$25.8M
+0.7% YoY
|
$245.5M
+5.2% YoY
|
$494.3M
+9.1% YoY
|
Top 13.0% in tier |
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| ROA |
1.3%
-14.8% YoY-13.8% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
0.8%
+5.6% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
4.2%
-5.5% YoY-6.3% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.5%
+1.0% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
70.5%
+0.9% YoY+5.4% QoQ
|
-20.2% |
90.6%
+6.5% YoY
|
77.8%
-1.1% YoY
|
84.6%
+2.8% YoY
|
26% |
| Delinquency Rate |
0.1%
-49.8% YoY
|
-1.4 |
1.5%
+3.8% YoY
|
0.7%
+13.3% YoY
|
1.2%
+3.4% YoY
|
22% |
| Loan To Share |
85.5%
-10.1% YoY-6.0% QoQ
|
+27.0% |
58.5%
-3.0% YoY
|
72.9%
-1.6% YoY
|
65.6%
-1.4% YoY
|
Top 12.0% in tier |
| AMR |
$27,302
+1.4% YoY-0.4% QoQ
|
+$12K |
$14,884
-1.7% YoY
|
$25,927
+3.7% YoY
|
$19,920
+1.6% YoY
|
Top 5.8% in tier |
| CD Concentration |
14.8%
-0.7% YoY+1.3% QoQ
|
-9.5% | 24.3% | 25.4% | 19.8% | 50% |
| Indirect Auto % |
10.6%
-19.1% YoY-4.6% QoQ
|
-3.2% | 13.8% | 16.4% | 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)