Caprock

LAMESA, TX · 1 · Charter #16813 · WWW.CAPROCKCU.COM
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$39.9M
90th percentile
Members
4,346
95th percentile
Total loans
$29.2M
97th percentile
Total shares
$27.8M
80th percentile

Profitability

Return on assets
-0.04%
14th percentile
Net interest margin
3.91%
48th percentile
Efficiency ratio
76.93%
29th percentile
Non-interest income ratio
24.08%
89th percentile

Capital & Risk

Net worth ratio
11.69%
28th percentile
Delinquency rate
1.38%
33th percentile
Net charge-off rate
0.16%
54th percentile
Loan-to-share
104.93%
95th percentile

Growth

Member growth YoY
37.31%
99th percentile
Asset growth YoY
3.51%
65th percentile
Loan growth YoY
14.03%
93th percentile
Share growth YoY
9.91%
91th percentile

Operations

Members / branch
2,173
81th percentile
Assets / member
$9,170
49th percentile
Field of membership penetration
1.05%
7th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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