BlastPoint's Credit Union Scorecard

TREASURY DEPARTMENT

Charter #162 · DC

1069 CUs in 100M-500M nationally 7 in DC

TREASURY DEPARTMENT has 3 strengths but faces 7 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

+ Wallet Share Momentum: Top 85.2% in tier
+ Net Interest Margin 0.10% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 32.2% in tier
- Stagnation Risk: Bottom 35.3% in tier
- Efficiency Drag: Bottom 86.2% in tier
- ROA 0.49% below tier average
- Efficiency ratio 7.61% above tier (higher cost structure)
- Delinquency rate 0.02% above tier average
- Member decline: -4.2% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	11,570 -4.2% YoY-1.6% QoQ	-3.9K	15,437 -2.9% YoY	11,054 +4.8% YoY	33,374 +5.7% YoY	40%
Assets	$176.8M +1.7% YoY+0.2% QoQ	$-55.1M	$231.9M +1.3% YoY	$405.8M +7.7% YoY	$561.6M +9.7% YoY	42%
Loans	$109.4M +1.3% YoY+0.0% QoQ	$-37.9M	$147.3M -0.1% YoY	$240.1M +3.9% YoY	$397.0M +8.8% YoY	41%
Deposits	$157.6M +1.5% YoY+0.1% QoQ	$-43.2M	$200.8M +0.8% YoY	$353.5M +6.9% YoY	$477.3M +9.7% YoY	44%

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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% -69.6% YoY-18.5% QoQ	-0.5%	0.8% +18.2% YoY	-0.0% -109.0% YoY	0.7% +15.9% YoY	16%
NIM	3.7% -5.5% YoY-0.0% QoQ	+0.1%	3.6% +6.7% YoY	3.6% +2.8% YoY	3.8% +5.1% YoY	55%
Efficiency Ratio	84.6% +8.5% YoY+0.6% QoQ	+7.6%	77.0% -3.1% YoY	96.5% +10.4% YoY	79.7% -3.3% YoY	78%
Delinquency Rate	0.9% -5.4% YoY-45.9% QoQ	+0.0	0.9% +4.2% YoY	2.4% +56.5% YoY	1.3% -2.1% YoY	64%
Loan To Share	69.4% -0.2% YoY-0.0% QoQ	-2.8%	72.2% -1.1% YoY	62.1% -3.1% YoY	67.4% -1.7% YoY	41%
AMR	$23,083 +5.8% YoY+1.7% QoQ	$-2K	$24,676 +3.4% YoY	$22,531 +2.7% YoY	$19,687 +2.0% YoY	52%
CD Concentration	10.2% +11.9% YoY-1.1% QoQ	-14.2%	24.4%	15.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	0.1%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#437 of 513 • Top 85.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.82%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline

#179 of 554 • Bottom 32.2% in tier

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

Why This Signature

Member Growth (YoY): -4.15%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#196 of 554 • Bottom 35.3% 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): -4.15%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 1.32%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.92%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#464 of 538 • Bottom 86.2% in tier

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

Why This Signature

Efficiency Ratio: 84.63%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.63% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -4.15%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 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 1069 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

114

Share Certificate Concentration (%)

balance_sheet

Value: 10.18%

Peer Median: -

#114 of 1069 Top 10.6% in 100M-500M tier

Top Weaknesses (6 metrics)

938

First Mortgage Concentration (%)

balance_sheet

Value: 51.57%

Peer Median: -

#938 of 1069 Bottom 12.3% in 100M-500M tier

921

Member Growth Rate

growth

Value: -4.15%

Peer Median: -

#921 of 1069 Bottom 13.9% in 100M-500M tier

899

Fee Income Per Member

profitability

Value: $103.46

Peer Median: -

#899 of 1069 Bottom 16.0% in 100M-500M tier

896

Return on Assets (ROA)

profitability

Value: 0.28%

Peer Median: -

#896 of 1069 Bottom 16.3% in 100M-500M tier

829

Efficiency Ratio

profitability

Value: 84.63%

Peer Median: -

#829 of 1069 Bottom 22.5% in 100M-500M tier

806

Asset Growth Rate

growth

Value: 1.67%

Peer Median: -

#806 of 1069 Bottom 24.7% in 100M-500M tier