BlastPoint's Credit Union Scorecard
TREASURY DEPARTMENT
Charter #162 · DC
TREASURY DEPARTMENT has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Charge-Off Rate: Top 0.6% in tier
- + AMR Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.62% below tier average
- - Efficiency ratio 4.00% above tier (higher cost structure)
- - Delinquency rate 0.97% above tier average
- - Member decline: -10.3% YoY
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 -1.8% year over year ($156M in shares and deposits).
- Membership: 10,677 members, -10.3% vs a year ago.
- Delinquency rate 1.86%.
- Return on assets 0.24%.
- Efficiency ratio 80.73% vs a 76.73% peer average.
- Loan-to-share ratio 69.97% 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 |
10,677
-10.3% YoY-2.9% QoQ
|
-4.5K |
15,168
-2.6% YoY
|
11,304
+3.6% YoY
|
34,678
+6.6% YoY
|
35% |
| Assets |
$176.7M
-0.7% YoY-1.6% QoQ
|
$-55.4M |
$232.0M
+0.7% YoY
|
$419.5M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
42% |
| Loans |
$109.2M
-0.4% YoY-1.4% QoQ
|
$-37.1M |
$146.3M
+0.2% YoY
|
$248.4M
+4.8% YoY
|
$418.6M
+10.1% YoY
|
40% |
| Deposits |
$156.1M
-1.8% YoY-1.8% QoQ
|
$-44.6M |
$200.7M
+0.2% YoY
|
$364.6M
+5.5% YoY
|
$504.8M
+10.3% YoY
|
44% |
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| ROA |
0.2%
-36.8% YoY-2.9% QoQ
|
-0.6% |
0.9%
+12.5% YoY
|
1.0%
-30.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 11.0% in tier |
| NIM |
3.7%
+0.3% YoY+1.1% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.6%
-0.1% YoY
|
3.8%
+2.3% YoY
|
50% |
| Efficiency Ratio |
80.7%
-3.1% YoY-1.2% QoQ
|
+4.0% |
76.7%
-0.8% YoY
|
84.8%
+17.5% YoY
|
83.0%
-5.3% YoY
|
60% |
| Delinquency Rate |
1.9%
+7.2% YoY+113.8% QoQ
|
+1.0 |
0.9%
+6.6% YoY
|
2.7%
+26.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.7% in tier |
| Loan To Share |
70.0%
+1.4% YoY+0.4% QoQ
|
-1.6% |
71.5%
-0.3% YoY
|
60.8%
-1.7% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$24,844
+10.2% YoY+1.2% QoQ
|
$-262 |
$25,107
+3.2% YoY
|
$22,625
-0.7% YoY
|
$20,028
-0.9% YoY
|
60% |
| CD Concentration |
10.1%
+3.5% YoY-1.2% QoQ
|
-14.4% | 24.6% | 15.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 0.2% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)