BlastPoint's Credit Union Scorecard
O.A.S. STAFF
Charter #15000 · DC
O.A.S. STAFF has 5 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 27.3% in tier
- + Wallet Share Momentum: Top 57.4% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 2.4% in tier
- + Loan-to-Member Ratio (LMR): Top 4.4% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 21.2% in tier
- - Membership Headwinds: Bottom 23.2% in tier
- - Efficiency Drag: Bottom 48.0% in tier
- - ROA 0.72% below tier average
- - Efficiency ratio 20.43% above tier (higher cost structure)
- - Delinquency rate 1.65% above tier average
- - Member decline: -5.2% YoY
- - First Mortgage Concentration (%): Bottom 1.2% in tier
- - Net Worth Ratio: Bottom 1.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.9% in tier
- - Member Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,689
-5.2% YoY-1.8% QoQ
|
-6.7K |
15,437
-2.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$284.7M
+2.1% YoY+1.7% QoQ
|
+$52.8M |
$231.9M
+1.3% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
71% |
| Loans |
$165.1M
+2.9% YoY+0.8% QoQ
|
+$17.8M |
$147.3M
-0.1% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$266.7M
+1.1% YoY+1.7% QoQ
|
+$65.9M |
$200.8M
+0.8% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
0.0%
-112.2% YoY-304.5% QoQ
|
-0.7% |
0.8%
+18.2% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.8% in tier |
| NIM |
2.9%
+16.9% YoY+1.4% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
97.4%
-12.1% YoY-1.5% QoQ
|
+20.4% |
77.0%
-3.1% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
Top 3.4% in tier |
| Delinquency Rate |
2.5%
-8.2% YoY+113.9% QoQ
|
+1.6 |
0.9%
+4.2% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
Top 3.9% in tier |
| Loan To Share |
61.9%
+1.8% YoY-0.9% QoQ
|
-10.3% |
72.2%
-1.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$49,700
+7.3% YoY+3.2% QoQ
|
+$25K |
$24,676
+3.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
Top 2.5% in tier |
| CD Concentration |
28.8%
-2.9% YoY-2.1% QoQ
|
+4.3% | 24.4% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.8% | 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)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)