BlastPoint's Credit Union Scorecard
IDB GLOBAL
Charter #14176 · DC
IDB GLOBAL has 8 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 5.0% in tier
- + Organic Growth Engine: Top 11.8% in tier
- + Credit Quality Leader: Top 34.8% in tier
- + Strong member growth: 5.7% YoY
- + Average Member Relationship (AMR): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 4.5% in tier
- + Net Charge-Off Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 1.8% in tier
- - Shrinking Wallet Share: Bottom 11.1% in tier
- - Credit Quality Pressure: Bottom 26.0% in tier
- - ROA 0.11% below tier average
- - Efficiency ratio 0.33% 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 5.4% in tier
- - Share Certificate Concentration (%): Bottom 8.9% in tier
- - Members Per Employee (MPE): Bottom 8.9% in tier
- - AMR Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,001
+5.7% YoY+0.3% QoQ
|
-39.1K |
52,114
-2.1% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 0.0% in tier |
| Assets |
$821.5M
+2.7% YoY-0.4% QoQ
|
$-37.5M |
$859.0M
+0.0% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
36% |
| Loans |
$558.0M
+0.4% YoY-0.2% QoQ
|
$-45.4M |
$603.4M
+1.0% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
28% |
| Deposits |
$690.7M
+4.1% YoY+0.5% QoQ
|
$-43.5M |
$734.2M
+0.9% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
27% |
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| ROA |
0.6%
+47.5% YoY+7.9% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
2.3%
+12.7% YoY+2.4% QoQ
|
-1.1% |
3.4%
+9.6% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.5% in tier |
| Efficiency Ratio |
74.8%
-8.5% YoY-1.7% QoQ
|
+0.3% |
74.5%
-3.2% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.2%
+21.9% YoY+24.2% QoQ
|
-0.6 |
0.8%
+5.0% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
Bottom 4.5% in tier |
| Loan To Share |
80.8%
-3.6% YoY-0.7% QoQ
|
-1.9% |
82.7%
+0.1% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
34% |
| AMR |
$96,042
-3.1% YoY-0.1% QoQ
|
+$67K |
$28,651
+2.5% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
Top 0.9% in tier |
| CD Concentration |
40.1%
+3.2% YoY+3.0% QoQ
|
+15.7% |
24.4%
+4.2% YoY
|
16.1%
+11.6% YoY
|
19.6%
+6.2% YoY
|
Top 7.5% in tier |
| Indirect Auto % |
1.8%
-42.1% YoY-13.6% QoQ
|
-12.2% |
14.0%
-5.7% YoY
|
0.1%
-38.7% YoY
|
7.9%
-2.9% YoY
|
38% |
Signature Analysis
Strengths (3)
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.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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)