BlastPoint's Credit Union Scorecard
IDB GLOBAL
Charter #14176 · DC
IDB GLOBAL has 8 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does DC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 3.7% in tier
- + Organic Growth Engine: Top 3.7% in tier
- + Strong member growth: 9.9% YoY
- + Average Member Relationship (AMR): Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 0.1% in tier
- + Total Delinquency Rate (60+ days): Top 1.8% in tier
- + Net Charge-Off Rate: Top 2.7% in tier
- + Member Growth Rate: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 0.4% in tier
- - Efficiency Drag: Bottom 31.3% in tier
- - Shrinking Wallet Share: Bottom 97.7% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 7.96% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 0.9% in tier
- - Total Members: Bottom 0.9% in tier
- - Net Interest Margin (NIM): Bottom 4.5% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 1 that size in D.C..
- Shares and deposits +3.9% year over year ($714M in shares and deposits).
- Membership: 14,241 members, +9.9% vs a year ago.
- Delinquency rate 0.13%.
- Return on assets 0.45%.
- Efficiency ratio 82.49% vs a 74.54% peer average.
- Loan-to-share ratio 78.38% vs a 82.60% 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 (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,241
+9.9% YoY-3.1% QoQ
|
-38.2K |
52,482
+1.3% YoY
|
11,304
+3.6% YoY
|
34,678
+6.6% YoY
|
Bottom 0.1% in tier |
| Assets |
$842.4M
+2.1% YoY-0.5% QoQ
|
$-21.6M |
$863.9M
+0.5% YoY
|
$419.5M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
43% |
| Loans |
$559.3M
+0.1% YoY+0.6% QoQ
|
$-48.5M |
$607.8M
+2.1% YoY
|
$248.4M
+4.8% YoY
|
$418.6M
+10.1% YoY
|
30% |
| Deposits |
$713.6M
+3.9% YoY-0.7% QoQ
|
$-26.3M |
$739.9M
+0.2% YoY
|
$364.6M
+5.5% YoY
|
$504.8M
+10.3% YoY
|
37% |
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| ROA |
0.4%
-19.6% YoY-4.4% QoQ
|
-0.4% |
0.8%
+30.4% YoY
|
1.0%
-30.4% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
2.5%
+8.4% YoY+1.8% QoQ
|
-1.1% |
3.5%
+6.2% YoY
|
3.6%
-0.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 3.6% in tier |
| Efficiency Ratio |
82.5%
+8.3% YoY+1.2% QoQ
|
+8.0% |
74.5%
-1.4% YoY
|
84.8%
+17.5% YoY
|
83.0%
-5.3% YoY
|
78% |
| Delinquency Rate |
0.1%
-12.5% YoY-23.1% QoQ
|
-0.7 |
0.8%
+1.0% YoY
|
2.7%
+26.2% YoY
|
1.3%
+2.6% YoY
|
Top 1.8% in tier |
| Loan To Share |
78.4%
-3.7% YoY+1.3% QoQ
|
-4.2% |
82.6%
+1.9% YoY
|
60.8%
-1.7% YoY
|
66.4%
-1.4% YoY
|
33% |
| AMR |
$89,382
-7.0% YoY+3.1% QoQ
|
+$61K |
$28,702
+0.4% YoY
|
$22,625
-0.7% YoY
|
$20,028
-0.9% YoY
|
Top 0.9% in tier |
| CD Concentration |
42.5%
+9.0% YoY+4.8% QoQ
|
+17.9% | 24.6% | 15.9% | 20.0% | Top 5.3% in tier |
| Indirect Auto % |
1.2%
-42.6% YoY-13.8% QoQ
|
-12.5% | 13.6% | 0.2% | 7.7% | 37% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)