BlastPoint's Credit Union Scorecard
LEE
Charter #15174 · DC
2556 CUs in <100M nationally
18 in DC
LEE has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.80% 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 0.9% in tier
- + Net Worth Ratio: Top 1.1% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -8.8% YoY
- - First Mortgage Concentration (%): Bottom 1.4% in tier
- - Deposit Growth Rate: Bottom 1.8% in tier
- - Total Members: Bottom 6.3% in tier
- - Member Growth Rate: Bottom 6.7% in tier
- - Asset Growth Rate: Bottom 6.8% in tier
- - Fee Income Per Member: Bottom 7.6% in tier
- - Members Per Employee (MPE): Bottom 8.0% in tier
- - AMR Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
250
-8.8% YoY-0.4% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
Bottom 6.2% in tier |
| Assets |
$5.5M
-8.4% YoY-2.6% QoQ
|
$-24.6M |
$30.1M
+2.1% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$1.3M
-7.9% YoY-2.1% QoQ
|
$-14.5M |
$15.8M
-1.3% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.0% in tier |
| Deposits |
$2.8M
-18.6% YoY-5.5% QoQ
|
$-22.9M |
$25.7M
+1.4% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.9% in tier |
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| ROA |
2.4%
-14.1% YoY-8.5% QoQ
|
+1.8% |
0.6%
+10.8% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
Top 2.9% in tier |
| NIM |
3.7%
-8.0% YoY-2.0% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
34.1%
+16.0% YoY+16.4% QoQ
|
-48.4% |
82.6%
-2.3% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.9% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
44.6%
+13.2% YoY+3.6% QoQ
|
-16.0% |
60.6%
-3.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$16,319
-7.5% YoY-4.1% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
25
Efficiency Ratio
profitability
Value:
34.12%
Peer Median: -
#25 of 2556
Top 0.9% in <100M tier
29
Net Worth Ratio
risk
Value:
48.92%
Peer Median: -
#29 of 2556
Top 1.1% in <100M tier
75
Return on Assets (ROA)
profitability
Value:
2.42%
Peer Median: -
#75 of 2556
Top 2.9% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (11 metrics)
2521
First Mortgage Concentration (%)
balance_sheet
Value:
76.32%
Peer Median: -
#2521 of 2556
Bottom 1.4% in <100M tier
2511
Deposit Growth Rate
growth
Value:
-18.60%
Peer Median: -
#2511 of 2556
Bottom 1.8% in <100M tier
2397
Total Members
engagement
Value:
250
Peer Median: -
#2397 of 2556
Bottom 6.3% in <100M tier
2386
Member Growth Rate
growth
Value:
-8.76%
Peer Median: -
#2386 of 2556
Bottom 6.7% in <100M tier
2384
Asset Growth Rate
growth
Value:
-8.43%
Peer Median: -
#2384 of 2556
Bottom 6.8% in <100M tier
2363
Fee Income Per Member
profitability
Value:
$1.31
Peer Median: -
#2363 of 2556
Bottom 7.6% in <100M tier
2353
Members Per Employee (MPE)
engagement
Value:
125.000
Peer Median: -
#2353 of 2556
Bottom 8.0% in <100M tier
2306
AMR Growth Rate
growth
Value:
-7.46%
Peer Median: -
#2306 of 2556
Bottom 9.8% in <100M tier
2224
Total Loans
balance_sheet
Value:
$1.26M
Peer Median: -
#2224 of 2556
Bottom 13.0% in <100M tier
2175
Total Deposits
balance_sheet
Value:
$2.82M
Peer Median: -
#2175 of 2556
Bottom 14.9% in <100M tier