BlastPoint's Credit Union Scorecard
O.A.S. STAFF
Charter #15000 · DC
O.A.S. STAFF has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Average Member Relationship (AMR): Top 2.3% in tier
- + Loan-to-Member Ratio (LMR): Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.66% below tier average
- - Efficiency ratio 17.42% above tier (higher cost structure)
- - Delinquency rate 1.30% above tier average
- - Member decline: -4.7% YoY
- - Net Worth Ratio: Bottom 1.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,699
-4.7% YoY+0.1% QoQ
|
-6.4K |
15,145
-2.5% YoY
|
11,106
+1.6% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$289.7M
+0.8% YoY+1.8% QoQ
|
+$57.9M |
$231.7M
+0.8% YoY
|
$410.2M
+3.1% YoY
|
$578.3M
+9.0% YoY
|
72% |
| Loans |
$164.6M
+4.4% YoY-0.3% QoQ
|
+$20.4M |
$144.1M
+0.2% YoY
|
$239.7M
+1.2% YoY
|
$402.4M
+8.7% YoY
|
67% |
| Deposits |
$271.6M
+0.2% YoY+1.8% QoQ
|
+$70.4M |
$201.1M
+0.4% YoY
|
$357.7M
+2.6% YoY
|
$494.3M
+9.1% YoY
|
75% |
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| ROA |
0.1%
-125.4% YoY
|
-0.7% |
0.7%
+5.1% YoY
|
-0.4%
-168.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.6% in tier |
| NIM |
3.0%
+14.5% YoY+3.9% QoQ
|
-0.6% |
3.6%
+4.6% YoY
|
3.5%
+3.4% YoY
|
3.8%
+4.1% YoY
|
17% |
| Efficiency Ratio |
95.4%
-12.1% YoY-2.1% QoQ
|
+17.4% |
78.0%
-1.7% YoY
|
86.5%
+9.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.4% in tier |
| Delinquency Rate |
2.1%
-13.0% YoY-18.5% QoQ
|
+1.3 |
0.8%
+7.1% YoY
|
2.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.7% in tier |
| Loan To Share |
60.6%
+4.2% YoY-2.1% QoQ
|
-9.8% |
70.4%
-0.4% YoY
|
60.4%
-2.3% YoY
|
65.6%
-1.4% YoY
|
28% |
| AMR |
$50,136
+6.7% YoY+0.9% QoQ
|
+$25K |
$24,918
+2.7% YoY
|
$22,450
-2.0% YoY
|
$19,920
+1.6% YoY
|
Top 2.4% in tier |
| CD Concentration |
28.3%
-3.1% YoY-1.5% QoQ
|
+4.1% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)