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 0.74% above tier average
- + Net Interest Margin 0.61% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.2% in tier
- + Total Loans: Top 4.2% in tier
- + Average Member Relationship (AMR): Top 6.0% in tier
- + Loan-to-Share Ratio: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,006
-1.0% YoY-0.2% QoQ
|
+1.4K |
2,625
-2.2% YoY
|
15,972
+1.7% YoY
|
33,089
+6.1% YoY
|
79% |
| Assets |
$68.4M
+5.8% YoY-0.4% QoQ
|
+$38.6M |
$29.9M
+1.1% YoY
|
$270.6M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
Top 12.9% in tier |
| Loans |
$52.9M
-3.4% YoY-1.3% QoQ
|
+$37.1M |
$15.8M
-2.4% YoY
|
$188.4M
+4.5% YoY
|
$388.7M
+8.6% YoY
|
Top 4.2% in tier |
| Deposits |
$55.7M
+4.8% YoY-0.6% QoQ
|
+$30.2M |
$25.5M
+0.4% YoY
|
$236.4M
+5.3% YoY
|
$464.6M
+9.3% YoY
|
Top 14.6% in tier |
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| ROA |
1.4%
-28.7% YoY-4.1% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.9%
+6.3% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
4.5%
-1.2% YoY+0.1% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.6%
+6.2% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
68.4%
+5.6% YoY-0.8% QoQ
|
-13.0% |
81.4%
-2.4% YoY
|
76.0%
-2.1% YoY
|
79.1%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.8%
+28.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
95.1%
-7.9% YoY-0.7% QoQ
|
+33.8% |
61.2%
-3.0% YoY
|
75.4%
-1.4% YoY
|
68.0%
-1.7% YoY
|
Top 7.2% in tier |
| AMR |
$27,101
+1.6% YoY-0.7% QoQ
|
+$12K |
$14,627
-2.7% YoY
|
$25,292
+3.8% YoY
|
$19,418
+1.3% YoY
|
Top 6.0% in tier |
| CD Concentration |
14.4%
-2.5% YoY+3.3% QoQ
|
-10.0% |
24.4%
+4.2% YoY
|
25.0%
+4.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
12.0%
-11.0% YoY-5.6% QoQ
|
-2.0% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
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)