BlastPoint's Credit Union Scorecard

IDB GLOBAL

Charter #14176 · DC

Community 750M-1B
117 CUs in 750M-1B nationally 2 in DC
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IDB GLOBAL has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
DC Analysis

How does DC stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 2.5% in tier
  • + Organic Growth Engine: Top 2.5% in tier
  • + Strong member growth: 15.3% YoY
  • + Average Member Relationship (AMR): Top 0.1% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.1% in tier
  • + Member Growth Rate: Top 2.6% in tier
  • + Total Delinquency Rate (60+ days): Top 5.1% in tier
  • + Net Charge-Off Rate: Top 5.1% in tier

Key Concerns

Areas that may need attention

  • - Wealth Migration Risk: Bottom 0.4% in tier
  • - Credit Quality Pressure: Bottom 38.3% in tier
  • - Efficiency Drag: Bottom 38.9% in tier
  • - Shrinking Wallet Share: Bottom 98.8% in tier
  • - ROA 0.29% below tier average
  • - Efficiency ratio 6.02% above tier (higher cost structure)
  • - First Mortgage Concentration (%): Bottom 0.9% in tier
  • - Total Members: Bottom 0.9% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (DC) National Avg Tier Percentile
Members 14,703
+15.3% YoY+6.2% QoQ
 -36.8K 51,500
+0.7% YoY
 11,106
+1.6% YoY
 33,913
+5.7% YoY
 Bottom 0.1% in tier
Assets $846.3M
+2.8% YoY+2.5% QoQ
 $-19.3M $865.6M
+0.9% YoY
 $410.2M
+3.1% YoY
 $578.3M
+9.0% YoY
 44%
Loans $556.0M
-0.8% YoY-1.0% QoQ
 $-39.2M $595.3M
+1.6% YoY
 $239.7M
+1.2% YoY
 $402.4M
+8.7% YoY
 33%
Deposits $718.5M
+4.6% YoY+3.0% QoQ
 $-23.7M $742.2M
+0.6% YoY
 $357.7M
+2.6% YoY
 $494.3M
+9.1% YoY
 39%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.5%
-10.7% YoY-22.2% QoQ
 -0.3% 0.8%
+45.0% YoY
 -0.4%
-168.3% YoY
 0.4%
-39.2% YoY
 34%
NIM 2.4%
+9.3% YoY+2.8% QoQ
 -1.0% 3.5%
+6.1% YoY
 3.5%
+3.4% YoY
 3.8%
+4.1% YoY
 Bottom 3.4% in tier
Efficiency Ratio 81.6%
+7.3% YoY+8.1% QoQ
 +6.0% 75.5%
-3.4% YoY
 86.5%
+9.1% YoY
 84.6%
+2.8% YoY
 71%
Delinquency Rate 0.2%
+115.9% YoY-43.5% QoQ
 -0.5 0.7%
-0.1% YoY
 2.3%
+3.6% YoY
 1.2%
+3.4% YoY
 Top 5.1% in tier
Loan To Share 77.4%
-5.1% YoY-3.9% QoQ
 -3.2% 80.6%
+0.7% YoY
 60.4%
-2.3% YoY
 65.6%
-1.4% YoY
 32%
AMR $86,686
-11.4% YoY-4.7% QoQ
 +$58K $28,908
+0.7% YoY
 $22,450
-2.0% YoY
 $19,920
+1.6% YoY
 Top 0.9% in tier
CD Concentration 40.5%
+3.4% YoY-0.1% QoQ
 +16.2% 24.3% 15.4% 19.8% Top 6.8% in tier
Indirect Auto % 1.4%
-42.7% YoY-10.9% QoQ
 -12.4% 13.8% 0.1% 7.7% 37%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#17 of 371 • Top 2.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 15.32%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 1.35%
(Tier: 13.80%, National: 7.73%)
better than tier avg
518 nationally
→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth
#130 of 352 • Top 2.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 15.32%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 0.47%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 1.35%
(Tier: 13.80%, National: 7.73%)
better than tier avg
499 nationally
→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Wealth Migration Risk

decline
#1 of 20 • Bottom 0.4% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature
Avg Member Relationship: $86.7K
(Tier: $25.5K, National: $19.9K)
but better than tier avg
AMR Growth (YoY): -11.38%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
20 of 284 Community CUs have this signature | 28 nationally
→ No prior data (20 CUs now) | New qualifier

Shrinking Wallet Share

decline
#17 of 238 • Bottom 98.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -11.38%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 284 Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | Rank improving

Credit Quality Pressure

risk
#511 of 727 • Bottom 38.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.09% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
1013 nationally
↓ Shrinking -60 CUs YoY | Rank improving

Efficiency Drag

risk
#510 of 596 • Bottom 38.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.55%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): -0.06% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): 15.32%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
702 nationally
↓ Shrinking -84 CUs YoY | New qualifier

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)

Comparing against 117 peers in tier

Top Strengths (6 metrics)

1
Average Member Relationship (AMR)
engagement
Value: $86,686
Peer Median: $26,209
#1 of 117 Top 0.1% in 750M-1B tier
1
Loan-to-Member Ratio (LMR)
engagement
Value: $37,818
Peer Median: $11,598
#1 of 117 Top 0.1% in 750M-1B tier
4
Member Growth Rate
growth
Value: 15.32%
Peer Median: 0.97%
#4 of 117 Top 2.6% in 750M-1B tier
7
Total Delinquency Rate (60+ days)
risk
Value: 0.16%
Peer Median: 0.56%
#7 of 117 Top 5.1% in 750M-1B tier
7
Net Charge-Off Rate
risk
Value: 0.06%
Peer Median: 0.47%
#7 of 117 Top 5.1% in 750M-1B tier
30
Indirect Auto Concentration (%)
balance_sheet
Value: 1.35%
Peer Median: 13.79%
#30 of 117 Top 24.8% in 750M-1B tier

Top Weaknesses (8 metrics)

117
First Mortgage Concentration (%)
balance_sheet
Value: 87.20%
Peer Median: 32.60%
#117 of 117 Bottom 0.9% in 750M-1B tier
117
Total Members
engagement
Value: 14,703
Peer Median: 51,712
#117 of 117 Bottom 0.9% in 750M-1B tier
114
AMR Growth Rate
growth
Value: -11.38%
Peer Median: 3.70%
#114 of 117 Bottom 3.4% in 750M-1B tier
113
Net Interest Margin (NIM)
profitability
Value: 2.41%
Peer Median: 3.47%
#113 of 117 Bottom 4.3% in 750M-1B tier
109
Share Certificate Concentration (%)
balance_sheet
Value: 40.51%
Peer Median: 26.77%
#109 of 117 Bottom 7.7% in 750M-1B tier
104
Fee Income Per Member
profitability
Value: $108.18
Peer Median: $187.56
#104 of 117 Bottom 12.0% in 750M-1B tier
104
Members Per Employee (MPE)
engagement
Value: 257.947
Peer Median: 328.468
#104 of 117 Bottom 12.0% in 750M-1B tier
93
Loan Growth Rate
growth
Value: -0.77%
Peer Median: 4.33%
#93 of 117 Bottom 21.4% in 750M-1B tier
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