O.A.S. STAFF

Charter #15000 | DC

100M-500M (1077 CUs) Micro
7 100M-500M in DC

O.A.S. STAFF has 5 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 6.4% in tier
  • + Wallet Share Momentum: Top 22.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Average Member Relationship (AMR): Top 2.7% in tier
  • + Loan-to-Member Ratio (LMR): Top 4.5% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 7.8% in tier
  • - Membership Headwinds: Bottom 16.3% in tier
  • - Stagnation Risk: Bottom 21.6% in tier
  • - ROA 0.81% below tier average
  • - Efficiency ratio 21.66% above tier (higher cost structure)
  • - Delinquency rate 0.33% above tier average
  • - Member decline: -2.6% YoY
  • - First Mortgage Concentration (%): Bottom 0.9% in tier
  • - Net Worth Ratio: Bottom 1.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (DC) National Avg Tier Percentile
Members 8,852
-2.6% YoY-0.4% QoQ
 -6.8K 15,628
-3.4% YoY
 10,992
+7.3% YoY
 33,089
+6.1% YoY
 Bottom 21.8% in tier
Assets $279.9M
+0.4% YoY-0.9% QoQ
 +$48.6M $231.3M
-0.0% YoY
 $397.3M
+10.3% YoY
 $547.7M
+7.8% YoY
 70th in tier
Loans $163.9M
+2.0% YoY+1.8% QoQ
 +$16.1M $147.8M
-1.4% YoY
 $237.1M
+5.6% YoY
 $388.7M
+8.6% YoY
 66th in tier
Deposits $262.3M
+0.5% YoY-1.4% QoQ
 +$62.0M $200.3M
-0.0% YoY
 $346.2M
+10.2% YoY
 $464.6M
+9.3% YoY
 74th in tier
ROA -0.0%
-93.4% YoY-81.0% QoQ
 -0.8% 0.8%
+15.5% YoY
 0.1%
-83.6% YoY
 0.7%
+273.4% YoY
 Bottom 6.7% in tier
NIM 2.9%
+17.8% YoY+5.6% QoQ
 -0.7% 3.6%
+6.9% YoY
 3.6%
+4.1% YoY
 3.7%
+5.0% YoY
 Bottom 15.8% in tier
Efficiency Ratio 98.9%
-10.7% YoY-3.5% QoQ
 +21.7% 77.3%
-3.0% YoY
 96.2%
+5.7% YoY
 79.1%
-3.3% YoY
 Top 2.5% in tier
Delinquency Rate 1.2%
-52.2% YoY-21.0% QoQ
 +0.3 0.9%
+7.6% YoY
 2.3%
+52.4% YoY
 1.2%
-0.9% YoY
 Top 22.7% in tier
Loan To Share 62.5%
+1.5% YoY+3.2% QoQ
 -10.2% 72.7%
-1.5% YoY
 61.8%
-0.7% YoY
 68.0%
-1.7% YoY
 27th in tier
AMR $48,146
+3.7% YoY+0.2% QoQ
 +$24K $24,363
+2.9% YoY
 $22,611
+4.7% YoY
 $19,418
+1.3% YoY
 Top 2.8% in tier
CD Concentration 29.4%
-0.1% YoY+0.2% QoQ
 +5.0% 24.4%
+4.2% YoY
 16.1%
+11.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 0.1%
-38.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#178 of 1006 • Top 6.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.73%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $8.6K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#606 of 1006 • Top 22.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.73%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (3)

Efficiency Drag

risk
#138 of 521 • Bottom 7.8% in tier

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

Why This Signature
Efficiency Ratio: 98.94%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.31% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -2.55%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Membership Headwinds

decline
#270 of 550 • Bottom 16.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.55%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk
#356 of 550 • Bottom 21.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -0.02%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.55%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $48.1K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 29.38%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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 1077 peers in tier

Top Strengths (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
30
Average Member Relationship (AMR)
engagement
Value: $48,146
Peer Avg: $24,363
#30 of 1077 Top 2.7% in 100M-500M tier
50
Loan-to-Member Ratio (LMR)
engagement
Value: $18,513
Peer Avg: $10,245
#50 of 1077 Top 4.5% in 100M-500M tier

Top Weaknesses (11 metrics)

1068
First Mortgage Concentration (%)
balance_sheet
Value: 76.40%
Peer Avg: 30.43%
#1068 of 1077 Bottom 0.9% in 100M-500M tier
1060
Net Worth Ratio
risk
Value: 7.58%
Peer Avg: 12.15%
#1060 of 1077 Bottom 1.7% in 100M-500M tier
1051
Efficiency Ratio
profitability
Value: 98.94%
Peer Avg: 77.28%
#1051 of 1077 Bottom 2.5% in 100M-500M tier
1005
Return on Assets (ROA)
profitability
Value: -0.02%
Peer Avg: 0.79%
#1005 of 1077 Bottom 6.8% in 100M-500M tier
923
Members Per Employee (MPE)
engagement
Value: 239.243
Peer Avg: 332.881
#923 of 1077 Bottom 14.4% in 100M-500M tier
907
Net Interest Margin (NIM)
profitability
Value: 2.89%
Peer Avg: 3.58%
#907 of 1077 Bottom 15.9% in 100M-500M tier
851
Asset Growth Rate
growth
Value: 0.41%
Peer Avg: 4.70%
#851 of 1077 Bottom 21.1% in 100M-500M tier
849
Member Growth Rate
growth
Value: -2.55%
Peer Avg: 0.72%
#849 of 1077 Bottom 21.3% in 100M-500M tier
842
Total Members
engagement
Value: 8,852
Peer Avg: 15,628
#842 of 1077 Bottom 21.9% in 100M-500M tier
833
Deposit Growth Rate
growth
Value: 0.52%
Peer Avg: 4.69%
#833 of 1077 Bottom 22.7% in 100M-500M tier