High CPU usage and low gpu usage with gtx 960 and i5 6400

[N00BIE Builder]

Hey guys I've noticed that my fps is quite low while playing BF4.I installed msi afterburner to see my cpu and gpu usages.It seems that my cpu usage is quite high usually floating around 90% while my gpu is at around 80% usage on average but goes lower when i lower video settings. my specs are:
CPU: Intel Core i5 6400
Ram: 8GB Kingston HyperX DDR3 1600Mhz
Motherboard: ASUS H110M-A D3
Power Supply: FSP HYPER S 500W 80+
Case: Cooler Master N200
Video Card: MSI ARMOR GTX 960 2GB OC
SSD: Samsung 840 EVO 120GB
HDD: 300GB Western Digital 7200RPM

The game is installed on the SSD.The issue also seems to exist on BF3 and Arma 3 ( yes i know that the game is extremely cpu demanding however I used to achieve a higher FPS when i played the game before on the same PC).I've tried reinstalling the OS ( w10) 3 times but that doesnt seem to help.I have the latest gpu driver installed also.Im watching videos of people playing bf4 with a 2gb 960 and older i5 such as the 2400 and achieving much much higher fps than me.I have also oc'd my card but that didn't help much either.Help is much appreciated

 

[RaDiKaL_]

Maybe there's another process using your CPU in the background, look for any suspicious CPU usage with task manager or procexp.

 

[schaft]

assuming from your 120Gb ssd, its already 2 years old. Your part might have dirt clogged into its heat sinks and caused the hardware to heat and unable to work as it should. Please check your cpu and gpu heat sink. Most of the time this is the case. I even found an honest person that replay with his almost dirt(dust that clumped as dirt) like heat sink. He might grow a grass with that amount of dirt.

If you want to see, link is below
http://www.tomshardware.com/answers/id-3313433/liquid-cooler-culprit.html

If your heat sink are clean and problem still persist, then its starting to get into parts problem.