BlastPoint's Credit Union Scorecard

TREASURY DEPARTMENT

Charter #162 · DC

100M-500M

1070 CUs in 100M-500M nationally 7 in DC

TREASURY DEPARTMENT has 1 strength 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

+ Wallet Share Momentum: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.48% below tier average
- Efficiency ratio 3.66% above tier (higher cost structure)
- Delinquency rate 0.09% above tier average
- Member decline: -8.3% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	10,993 -8.3% YoY-5.0% QoQ	-4.2K	15,145 -2.5% YoY	11,106 +1.6% YoY	33,913 +5.7% YoY	38%
Assets	$179.6M +0.0% YoY+1.6% QoQ	$-52.2M	$231.7M +0.8% YoY	$410.2M +3.1% YoY	$578.3M +9.0% YoY	44%
Loans	$110.8M +0.4% YoY+1.2% QoQ	$-33.4M	$144.1M +0.2% YoY	$239.7M +1.2% YoY	$402.4M +8.7% YoY	44%
Deposits	$159.0M -1.2% YoY+0.9% QoQ	$-42.2M	$201.1M +0.4% YoY	$357.7M +2.6% YoY	$494.3M +9.1% 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	0.2% -45.0% YoY-9.6% QoQ	-0.5%	0.7% +5.1% YoY	-0.4% -168.3% YoY	0.4% -39.2% YoY	19%
NIM	3.6% -0.8% YoY-2.3% QoQ	+0.0%	3.6% +4.6% YoY	3.5% +3.4% YoY	3.8% +4.1% YoY	50%
Efficiency Ratio	81.7% -0.4% YoY-3.5% QoQ	+3.7%	78.0% -1.7% YoY	86.5% +9.1% YoY	84.6% +2.8% YoY	61%
Delinquency Rate	0.9% +2.6% YoY-5.4% QoQ	+0.1	0.8% +7.1% YoY	2.3% +3.6% YoY	1.2% +3.4% YoY	69%
Loan To Share	69.7% +1.6% YoY+0.4% QoQ	-0.7%	70.4% -0.4% YoY	60.4% -2.3% YoY	65.6% -1.4% YoY	45%
AMR	$24,538 +8.5% YoY+6.3% QoQ	$-380	$24,918 +2.7% YoY	$22,450 -2.0% YoY	$19,920 +1.6% YoY	59%
CD Concentration	10.3% +14.7% YoY+0.7% QoQ	-14.0%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	0.1%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#182 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 8.46%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#58 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -8.30%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#96 of 570 • Bottom 50.0% 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): -8.30%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.38%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.87%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#657 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Efficiency Drag

risk

#553 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 81.68%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -8.30%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

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 1070 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

117

Share Certificate Concentration (%)

balance_sheet

Value: 10.26%

Peer Median: 23.10%

#117 of 1070 Top 10.8% in 100M-500M tier

145

AMR Growth Rate

growth

Value: 8.46%

Peer Median: 3.46%

#145 of 1070 Top 13.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1017

Member Growth Rate

growth

Value: -8.30%

Peer Median: -0.06%

#1017 of 1070 Bottom 5.0% in 100M-500M tier

960

First Mortgage Concentration (%)

balance_sheet

Value: 53.46%

Peer Median: 29.47%

#960 of 1070 Bottom 10.4% in 100M-500M tier

915

Deposit Growth Rate

growth

Value: -1.18%

Peer Median: 3.30%

#915 of 1070 Bottom 14.6% in 100M-500M tier

879

Asset Growth Rate

growth

Value: 0.01%

Peer Median: 3.91%

#879 of 1070 Bottom 17.9% in 100M-500M tier

862

Return on Assets (ROA)

profitability

Value: 0.25%

Peer Median: 0.69%

#862 of 1070 Bottom 19.5% in 100M-500M tier

821

Fee Income Per Member

profitability

Value: $107.35

Peer Median: $154.95

#821 of 1070 Bottom 23.4% in 100M-500M tier