BlastPoint's Credit Union Scorecard
IDB GLOBAL
Charter #14176 · DC
IDB GLOBAL has 7 strengths but faces 11 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 6.3% in tier
- + Organic Growth Engine: Top 27.1% in tier
- + Strong member growth: 10.5% YoY
- + Average Member Relationship (AMR): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.0% in tier
- + Member Growth Rate: Top 3.4% in tier
- + Net Charge-Off Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 0.0% in tier
- - Shrinking Wallet Share: Bottom 11.6% in tier
- - Credit Quality Pressure: Bottom 60.5% in tier
- - ROA 0.14% below tier average
- - Efficiency ratio 1.10% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 0.9% in tier
- - Total Members: Bottom 0.9% in tier
- - AMR Growth Rate: Bottom 2.6% in tier
- - Net Interest Margin (NIM): Bottom 6.0% in tier
- - Share Certificate Concentration (%): Bottom 7.7% in tier
- - Fee Income Per Member: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,850
+10.5% YoY+6.5% QoQ
|
-38.2K |
52,084
-1.6% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
Bottom 0.0% in tier |
| Assets |
$826.0M
+2.9% YoY+0.5% QoQ
|
$-37.9M |
$863.9M
+0.5% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$561.7M
-0.6% YoY+0.7% QoQ
|
$-44.1M |
$605.8M
+1.4% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$697.8M
+4.3% YoY+1.0% QoQ
|
$-39.4M |
$737.3M
+0.1% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
31% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
+101.5% YoY+0.1% QoQ
|
-0.1% |
0.7%
+39.1% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
2.3%
+11.9% YoY+1.1% QoQ
|
-1.0% |
3.4%
+8.7% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.1% in tier |
| Efficiency Ratio |
75.4%
-11.6% YoY+0.8% QoQ
|
+1.1% |
74.3%
-3.6% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.3%
+107.1% YoY+62.2% QoQ
|
-0.6 |
0.9%
+3.8% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.7% in tier |
| Loan To Share |
80.5%
-4.7% YoY-0.4% QoQ
|
-2.1% |
82.6%
+1.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$90,943
-7.6% YoY-5.3% QoQ
|
+$62K |
$28,873
+2.7% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
Top 0.9% in tier |
| CD Concentration |
40.6%
+2.1% YoY+1.1% QoQ
|
+16.1% | 24.4% | 15.9% | 19.8% | Top 6.9% in tier |
| Indirect Auto % |
1.5%
-43.5% YoY-13.5% QoQ
|
-12.3% | 13.8% | 0.1% | 7.8% | 38% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). 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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)