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 0.90% above tier average
- + Net Interest Margin 0.56% above tier average
- + Loan-to-Member Ratio (LMR): Top 3.4% in tier
- + Total Loans: Top 4.7% in tier
- + Average Member Relationship (AMR): Top 5.8% in tier
- + Fee Income Per Member: Top 8.9% in tier
- + Loan-to-Share Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,971
-1.5% YoY-0.9% QoQ
|
+1.4K |
2,615
-1.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$70.2M
+5.5% YoY+2.6% QoQ
|
+$40.0M |
$30.1M
+2.1% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
Top 12.4% in tier |
| Loans |
$51.8M
-4.0% YoY-2.1% QoQ
|
+$36.1M |
$15.8M
-1.3% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
Top 4.7% in tier |
| Deposits |
$57.0M
+4.5% YoY+2.4% QoQ
|
+$31.3M |
$25.7M
+1.4% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Top 14.0% in tier |
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| ROA |
1.5%
-18.1% YoY+6.5% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
4.5%
-0.8% YoY-0.7% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
66.9%
+4.3% YoY-2.2% QoQ
|
-15.7% |
82.6%
-2.3% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate | 0.0% | -1.5 |
1.6%
-3.1% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
Top 12.7% in tier |
| Loan To Share |
90.9%
-8.1% YoY-4.4% QoQ
|
+30.3% |
60.6%
-3.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
Top 9.4% in tier |
| AMR |
$27,408
+1.8% YoY+1.1% QoQ
|
+$13K |
$14,783
-1.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
Top 5.8% in tier |
| CD Concentration |
14.6%
-8.8% YoY+1.6% QoQ
|
-9.8% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % |
11.1%
-16.8% YoY-7.4% QoQ
|
-2.7% | 13.8% | 15.9% | 7.8% | 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)