BlastPoint's Credit Union Scorecard

TREASURY DEPARTMENT

Charter #162 · DC

1077 CUs in 100M-500M nationally 7 in DC

TREASURY DEPARTMENT has 2 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

+ Net Interest Margin 0.13% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.2% in tier
- Membership Headwinds: Bottom 14.8% in tier
- Stagnation Risk: Bottom 22.3% in tier
- Efficiency Drag: Bottom 24.8% in tier
- ROA 0.45% below tier average
- Efficiency ratio 6.82% above tier (higher cost structure)
- Delinquency rate 0.84% above tier average
- Member decline: -2.8% YoY

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	11,758 -2.8% YoY-1.3% QoQ	-3.9K	15,628 -3.4% YoY	10,992 +7.3% YoY	33,089 +6.1% YoY	40%
Assets	$176.4M +1.3% YoY-0.8% QoQ	$-54.9M	$231.3M -0.0% YoY	$397.3M +10.3% YoY	$547.7M +7.8% YoY	42%
Loans	$109.4M +0.4% YoY-0.2% QoQ	$-38.4M	$147.8M -1.4% YoY	$237.1M +5.6% YoY	$388.7M +8.6% YoY	41%
Deposits	$157.5M +1.0% YoY-0.9% QoQ	$-42.8M	$200.3M -0.0% YoY	$346.2M +10.2% YoY	$464.6M +9.3% YoY	45%

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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	0.3% -63.7% YoY-11.7% QoQ	-0.4%	0.8% +15.5% YoY	0.1% -83.6% YoY	0.7% +273.4% YoY	21%
NIM	3.7% -5.5% YoY+1.6% QoQ	+0.1%	3.6% +6.9% YoY	3.6% +4.1% YoY	3.7% +5.0% YoY	57%
Efficiency Ratio	84.1% +8.4% YoY+1.0% QoQ	+6.8%	77.3% -3.0% YoY	96.2% +5.7% YoY	79.1% -3.3% YoY	74%
Delinquency Rate	1.7% +32.8% YoY-2.1% QoQ	+0.8	0.9% +7.6% YoY	2.3% +52.4% YoY	1.2% -0.9% YoY	Top 11.0% in tier
Loan To Share	69.4% -0.5% YoY+0.6% QoQ	-3.3%	72.7% -1.5% YoY	61.8% -0.7% YoY	68.0% -1.7% YoY	40%
AMR	$22,702 +3.7% YoY+0.7% QoQ	$-2K	$24,363 +2.9% YoY	$22,611 +4.7% YoY	$19,418 +1.3% YoY	51%
CD Concentration	10.3% +20.0% YoY+5.1% QoQ	-14.1%	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 (4)

Credit Quality Pressure

risk

#178 of 736 • Bottom 7.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.42% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Membership Headwinds

decline

#244 of 550 • Bottom 14.8% in tier

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

Why This Signature

Member Growth (YoY): -2.81%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk

#368 of 550 • Bottom 22.3% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.81%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 0.44%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.70%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Efficiency Drag

risk

#439 of 521 • Bottom 24.8% in tier

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

Why This Signature

Efficiency Ratio: 84.10%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.59% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -2.81%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

121

Share Certificate Concentration (%)

balance_sheet

Value: 10.29%

Peer Avg: -

#121 of 1077 Top 11.1% in 100M-500M tier

Top Weaknesses (5 metrics)

960

Total Delinquency Rate (60+ days)

risk

Value: 1.70%

Peer Avg: -

#960 of 1077 Bottom 11.0% in 100M-500M tier

931

First Mortgage Concentration (%)

balance_sheet

Value: 50.13%

Peer Avg: -

#931 of 1077 Bottom 13.6% in 100M-500M tier

911

Fee Income Per Member

profitability

Value: $101.93

Peer Avg: -

#911 of 1077 Bottom 15.5% in 100M-500M tier

868

Member Growth Rate

growth

Value: -2.81%

Peer Avg: -

#868 of 1077 Bottom 19.5% in 100M-500M tier

854

Return on Assets (ROA)

profitability

Value: 0.34%

Peer Avg: -

#854 of 1077 Bottom 20.8% in 100M-500M tier