BlastPoint's Credit Union Scorecard
LEE
Charter #15174 · DC
2596 CUs in <100M nationally
18 in DC
LEE has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.97% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.0% in tier
- + Net Worth Ratio: Top 1.1% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -9.4% YoY
- - First Mortgage Concentration (%): Bottom 1.3% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Deposit Growth Rate: Bottom 4.6% in tier
- - Total Members: Bottom 6.3% in tier
- - Member Growth Rate: Bottom 6.5% in tier
- - Members Per Employee (MPE): Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
251
-9.4% YoY-2.3% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 6.2% in tier |
| Assets |
$5.7M
-4.8% YoY-1.4% QoQ
|
$-24.2M |
$29.9M
+1.1% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$1.3M
-7.9% YoY-2.1% QoQ
|
$-14.5M |
$15.8M
-2.4% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.2% in tier |
| Deposits |
$3.0M
-12.8% YoY-3.9% QoQ
|
$-22.5M |
$25.5M
+0.4% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
16% |
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| ROA |
2.6%
-12.1% YoY-1.7% QoQ
|
+2.0% |
0.7%
-731.4% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
Top 3.2% in tier |
| NIM |
3.7%
-8.4% YoY-1.2% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
44% |
| Efficiency Ratio |
29.3%
+11.6% YoY+1.2% QoQ
|
-52.1% |
81.4%
-2.4% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
43.0%
+5.6% YoY+1.8% QoQ
|
-18.2% |
61.2%
-3.0% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
23% |
| AMR |
$17,020
-2.2% YoY-1.0% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
68% |
| CD Concentration | 0.0% | -24.4% |
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 (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
28
Efficiency Ratio
profitability
Value:
29.31%
Peer Avg: -
#28 of 2596
Top 1.0% in <100M tier
30
Net Worth Ratio
risk
Value:
47.28%
Peer Avg: -
#30 of 2596
Top 1.1% in <100M tier
84
Return on Assets (ROA)
profitability
Value:
2.65%
Peer Avg: -
#84 of 2596
Top 3.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (11 metrics)
2562
First Mortgage Concentration (%)
balance_sheet
Value:
76.63%
Peer Avg: -
#2562 of 2596
Bottom 1.3% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2477
Deposit Growth Rate
growth
Value:
-12.79%
Peer Avg: -
#2477 of 2596
Bottom 4.6% in <100M tier
2433
Total Members
engagement
Value:
251
Peer Avg: -
#2433 of 2596
Bottom 6.3% in <100M tier
2427
Member Growth Rate
growth
Value:
-9.39%
Peer Avg: -
#2427 of 2596
Bottom 6.5% in <100M tier
2395
Members Per Employee (MPE)
engagement
Value:
125.500
Peer Avg: -
#2395 of 2596
Bottom 7.8% in <100M tier
2253
Total Loans
balance_sheet
Value:
$1.29M
Peer Avg: -
#2253 of 2596
Bottom 13.3% in <100M tier
2222
Asset Growth Rate
growth
Value:
-4.84%
Peer Avg: -
#2222 of 2596
Bottom 14.4% in <100M tier
2189
Total Deposits
balance_sheet
Value:
$2.99M
Peer Avg: -
#2189 of 2596
Bottom 15.7% in <100M tier
2026
Total Assets
balance_sheet
Value:
$5.69M
Peer Avg: -
#2026 of 2596
Bottom 22.0% in <100M tier