BlastPoint's Credit Union Scorecard

O.A.S. STAFF

Charter #15000 · DC

100M-500M

1024 CUs in 100M-500M nationally 7 in DC

O.A.S. STAFF has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

DC Analysis

How does DC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Average Member Relationship (AMR): Top 2.8% in tier
+ Loan-to-Member Ratio (LMR): Top 4.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.74% below tier average
- Efficiency ratio 18.26% above tier (higher cost structure)
- Delinquency rate 1.70% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 7 that size in D.C..
Shares and deposits -0.4% year over year ($265M in shares and deposits).
Membership: 8,722 members, -1.9% vs a year ago.
Delinquency rate 2.58%.
Return on assets 0.12%.
Efficiency ratio 95.00% vs a 76.73% peer average.
Loan-to-share ratio 62.33% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	8,722 -1.9% YoY+0.3% QoQ	-6.4K	15,168 -2.6% YoY	11,304 +3.6% YoY	34,678 +6.6% YoY	23%
Assets	$282.4M -0.0% YoY-2.5% QoQ	+$50.4M	$232.0M +0.7% YoY	$419.5M +5.8% YoY	$593.1M +10.2% YoY	71%
Loans	$165.1M +2.5% YoY+0.3% QoQ	+$18.8M	$146.3M +0.2% YoY	$248.4M +4.8% YoY	$418.6M +10.1% YoY	66%
Deposits	$264.9M -0.4% YoY-2.5% QoQ	+$64.1M	$200.7M +0.2% YoY	$364.6M +5.5% YoY	$504.8M +10.3% YoY	75%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -202.4% YoY+78.9% QoQ	-0.7%	0.9% +12.5% YoY	1.0% -30.4% YoY	1.2% +121.4% YoY	Bottom 4.6% in tier
NIM	3.1% +12.7% YoY+1.4% QoQ	-0.6%	3.7% +4.5% YoY	3.6% -0.1% YoY	3.8% +2.3% YoY	17%
Efficiency Ratio	95.0% -7.4% YoY-0.5% QoQ	+18.3%	76.7% -0.8% YoY	84.8% +17.5% YoY	83.0% -5.3% YoY	Bottom 4.1% in tier
Delinquency Rate	2.6% +71.7% YoY+24.6% QoQ	+1.7	0.9% +6.6% YoY	2.7% +26.2% YoY	1.3% +2.6% YoY	Bottom 3.7% in tier
Loan To Share	62.3% +3.0% YoY+2.9% QoQ	-9.2%	71.5% -0.3% YoY	60.8% -1.7% YoY	66.4% -1.4% YoY	29%
AMR	$49,293 +2.6% YoY-1.7% QoQ	+$24K	$25,107 +3.2% YoY	$22,625 -0.7% YoY	$20,028 -0.9% YoY	Top 2.9% in tier
CD Concentration	29.3% -0.0% YoY+3.4% QoQ	+4.8%	24.6%	15.9%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	0.2%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#209 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.62%

(Tier: 3.97%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $8.9K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Concerns (5)

Credit Quality Pressure

risk

#42 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 1.08% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Efficiency Drag

risk

#66 of 531 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 95.00%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.24% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -1.89%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Credit Risk Growth

risk

#172 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.55%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 1.08% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Stagnation Risk

risk

#256 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.89%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 2.55%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 2.58%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#348 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -1.89%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $49,293

Peer Median: $23,006

#30 of 1024 Top 2.8% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,927

Peer Median: $9,434

#48 of 1024 Top 4.6% in 100M-500M tier

134

Net Charge-Off Rate

risk

Value: 0.07%

Peer Median: 0.34%

#134 of 1024 Top 13.0% in 100M-500M tier

Top Weaknesses (10 metrics)

1009

First Mortgage Concentration (%)

balance_sheet

Value: 73.18%

Peer Median: 29.92%

#1009 of 1024 Bottom 1.6% in 100M-500M tier

1008

Net Worth Ratio

risk

Value: 7.63%

Peer Median: 11.71%

#1008 of 1024 Bottom 1.7% in 100M-500M tier

987

Total Delinquency Rate (60+ days)

risk

Value: 2.58%

Peer Median: 0.71%

#987 of 1024 Bottom 3.7% in 100M-500M tier

983

Efficiency Ratio

profitability

Value: 95.00%

Peer Median: 77.26%

#983 of 1024 Bottom 4.1% in 100M-500M tier

977

Return on Assets (ROA)

profitability

Value: 0.12%

Peer Median: 0.75%

#977 of 1024 Bottom 4.7% in 100M-500M tier

851

Asset Growth Rate

growth

Value: -0.04%

Peer Median: 4.12%

#851 of 1024 Bottom 17.0% in 100M-500M tier

848

Deposit Growth Rate

growth

Value: -0.45%

Peer Median: 3.58%

#848 of 1024 Bottom 17.3% in 100M-500M tier

846

Net Interest Margin (NIM)

profitability

Value: 3.09%

Peer Median: 3.67%

#846 of 1024 Bottom 17.5% in 100M-500M tier

791

Total Members

engagement

Value: 8,722

Peer Median: 13,128

#791 of 1024 Bottom 22.9% in 100M-500M tier

787

Members Per Employee (MPE)

engagement

Value: 256.529

Peer Median: 310.924

#787 of 1024 Bottom 23.2% in 100M-500M tier