BlastPoint's Credit Union Scorecard
O.A.S. STAFF
Charter #15000 · DC
O.A.S. STAFF has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 60.9% 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
|
22% |
| 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
|
70% |
| 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
|
66% |
| 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
|
74% |
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 |
-0.0%
-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
|
16% |
| 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
|
77% |
| 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
|
27% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.1%
-38.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)