BlastPoint's Credit Union Scorecard
CAPITAL AREA
Charter #9919 · ME
CAPITAL AREA has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.44% above tier average
- + Loan-to-Member Ratio (LMR): Top 4.3% in tier
- + Net Charge-Off Rate: Top 4.9% in tier
- + Total Loans: Top 5.7% in tier
- + Average Member Relationship (AMR): Top 6.2% in tier
- + Fee Income Per Member: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
- - Member decline: -2.3% YoY
- - Indirect Auto Concentration (%): Bottom 8.6% in tier
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 8 that size in Maine.
- Shares and deposits +3.0% year over year ($57.7M in shares and deposits).
- Membership: 3,925 members, -2.3% vs a year ago.
- Delinquency rate 0.59%.
- Return on assets 1.33%.
- Efficiency ratio 71.16% vs a 88.77% peer average.
- Loan-to-share ratio 84.57% 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 (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,925
-2.3% YoY-0.8% QoQ
|
+1.3K |
2,585
-1.7% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
78% |
| Assets |
$71.4M
+4.0% YoY-0.4% QoQ
|
+$41.1M |
$30.3M
+1.5% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
Top 12.0% in tier |
| Loans |
$48.8M
-9.0% YoY-2.1% QoQ
|
+$33.3M |
$15.5M
-1.7% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
Top 5.7% in tier |
| Deposits |
$57.7M
+3.0% YoY-1.0% QoQ
|
+$31.9M |
$25.8M
+1.1% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
Top 13.6% in tier |
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| ROA |
1.3%
-10.6% YoY+1.6% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
74% |
| NIM |
4.3%
-4.4% YoY+2.6% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
71% |
| Efficiency Ratio |
71.2%
+3.3% YoY+1.0% QoQ
|
-17.6% |
88.8%
-6.9% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
0.6%
+762.2% YoY+462.4% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
45% |
| Loan To Share |
84.6%
-11.7% YoY-1.1% QoQ
|
+25.7% |
58.9%
-3.1% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
Top 14.6% in tier |
| AMR |
$27,112
-0.6% YoY-0.7% QoQ
|
+$12K |
$14,963
-6.8% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 6.2% in tier |
| CD Concentration |
15.0%
+7.8% YoY+1.3% QoQ
|
-9.5% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % |
10.0%
-21.3% YoY-5.5% QoQ
|
-3.6% | 13.6% | 16.8% | 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)