BlastPoint's Credit Union Scorecard
DEPARTMENT OF COMMERCE
Charter #16410 · DC
DEPARTMENT OF COMMERCE has 6 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does DC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 1.2% in tier
- + Average Member Relationship (AMR): Top 1.8% in tier
- + Total Assets: Top 3.6% in tier
- + Total Deposits: Top 3.6% in tier
- + Loan-to-Share Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 4.2% in tier
- - Liquidity Strain: Bottom 5.7% in tier
- - Institutional Decline: Bottom 9.1% in tier
- - Credit Quality Pressure: Bottom 22.0% in tier
- - Accelerating Exit Risk: Bottom 71.2% in tier
- - Stagnation Risk: Bottom 71.2% in tier
- - Membership Headwinds: Bottom 71.2% in tier
- - Shrinking Wallet Share: Bottom 95.7% in tier
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 1 that size in D.C..
- Shares and deposits -8.1% year over year ($670M in shares and deposits).
- Membership: 28,919 members, -1.7% vs a year ago.
- Delinquency rate 1.75%.
- Return on assets 0.09%.
- Efficiency ratio 76.54% vs a 76.56% peer average.
- Loan-to-share ratio 96.96% vs a 79.33% 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 |
28,919
-1.7% YoY-0.4% QoQ
|
-9.0K |
37,897
-5.0% YoY
|
11,304
+3.6% YoY
|
34,678
+6.6% YoY
|
17% |
| Assets |
$739.1M
-8.4% YoY-3.0% QoQ
|
+$116.7M |
$622.4M
+0.6% YoY
|
$419.5M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
Top 4.2% in tier |
| Loans |
$649.7M
-4.9% YoY-1.8% QoQ
|
+$221.2M |
$428.5M
-0.7% YoY
|
$248.4M
+4.8% YoY
|
$418.6M
+10.1% YoY
|
Top 0.6% in tier |
| Deposits |
$670.0M
-8.1% YoY-3.1% QoQ
|
+$130.3M |
$539.8M
+0.9% YoY
|
$364.6M
+5.5% YoY
|
$504.8M
+10.3% YoY
|
Top 4.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-134.1% YoY-83.1% QoQ
|
-0.7% |
0.8%
+39.5% YoY
|
1.0%
-30.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.4% in tier |
| NIM |
3.0%
+13.4% YoY-0.5% QoQ
|
-0.6% |
3.5%
+5.0% YoY
|
3.6%
-0.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 12.7% in tier |
| Efficiency Ratio |
76.5%
-0.6% YoY+1.2% QoQ
|
+0.0% |
76.6%
-3.6% YoY
|
84.8%
+17.5% YoY
|
83.0%
-5.3% YoY
|
44% |
| Delinquency Rate |
1.7%
+18.0% YoY+25.7% QoQ
|
+0.9 |
0.8%
+3.1% YoY
|
2.7%
+26.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.1% in tier |
| Loan To Share |
97.0%
+3.4% YoY+1.4% QoQ
|
+17.6% |
79.3%
-1.4% YoY
|
60.8%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Top 9.1% in tier |
| AMR |
$45,636
-4.9% YoY-2.1% QoQ
|
+$18K |
$27,294
+4.1% YoY
|
$22,625
-0.7% YoY
|
$20,028
-0.9% YoY
|
Top 2.4% in tier |
| CD Concentration |
38.4%
-10.7% YoY-0.8% QoQ
|
+13.8% | 24.6% | 15.9% | 20.0% | Top 9.1% in tier |
| Indirect Auto % |
3.0%
+79.9% QoQ
|
-10.7% | 13.6% | 0.2% | 7.7% | 41% |
Signature Analysis
Strengths (0)
Concerns (8)
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)