BlastPoint's Credit Union Scorecard

DEPARTMENT OF COMMERCE

Charter #16410 · DC

Community 750M-1B

117 CUs in 750M-1B nationally 2 in DC

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DEPARTMENT OF COMMERCE has 2 strengths but faces 19 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

DC Analysis

How does DC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Loan-to-Member Ratio (LMR): Top 4.3% in tier
+ Average Member Relationship (AMR): Top 6.0% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 3.6% in tier
- Institutional Decline: Bottom 5.0% in tier
- Accelerating Exit Risk: Bottom 12.7% in tier
- Membership Headwinds: Bottom 20.8% in tier
- Shrinking Wallet Share: Bottom 48.8% in tier
- Credit Quality Pressure: Bottom 49.3% in tier
- Liquidity Strain: Bottom 63.0% in tier
- ROA 0.96% below tier average
- Efficiency ratio 3.95% above tier (higher cost structure)
- Delinquency rate 0.63% above tier average
- Member decline: -5.5% YoY
- Net Worth Ratio: Bottom 1.7% in tier
- Asset Growth Rate: Bottom 2.6% in tier
- Deposit Growth Rate: Bottom 2.6% in tier
- Net Charge-Off Rate: Bottom 2.6% in tier
- Loan Growth Rate: Bottom 5.1% in tier
- AMR Growth Rate: Bottom 6.0% in tier
- Share Certificate Concentration (%): Bottom 8.5% in tier
- Total Members: Bottom 8.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	29,127 -5.5% YoY-2.2% QoQ	-23.0K	52,084 -1.6% YoY	11,054 +4.8% YoY	33,374 +5.7% YoY	Bottom 7.7% in tier
Assets	$764.6M -10.5% YoY-0.5% QoQ	$-99.3M	$863.9M +0.5% YoY	$405.8M +7.7% YoY	$561.6M +9.7% YoY	Bottom 9.4% in tier
Loans	$681.2M -6.0% YoY-0.6% QoQ	+$75.4M	$605.8M +1.4% YoY	$240.1M +3.9% YoY	$397.0M +8.8% YoY	72%
Deposits	$697.6M -9.9% YoY-1.9% QoQ	$-39.7M	$737.3M +0.1% YoY	$353.5M +6.9% YoY	$477.3M +9.7% YoY	30%

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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% -272.5% YoY+22.6% QoQ	-1.0%	0.7% +39.1% YoY	-0.0% -109.0% YoY	0.7% +15.9% YoY	Bottom 2.6% in tier
NIM	2.8% -2.9% YoY+2.8% QoQ	-0.6%	3.4% +8.7% YoY	3.6% +2.8% YoY	3.8% +5.1% YoY	19%
Efficiency Ratio	78.3% +9.7% YoY+1.4% QoQ	+3.9%	74.3% -3.6% YoY	96.5% +10.4% YoY	79.7% -3.3% YoY	57%
Delinquency Rate	1.5% +16.2% YoY+18.2% QoQ	+0.6	0.9% +3.8% YoY	2.4% +56.5% YoY	1.3% -2.1% YoY	Top 13.7% in tier
Loan To Share	97.6% +4.2% YoY+1.3% QoQ	+15.1%	82.6% +1.1% YoY	62.1% -3.1% YoY	67.4% -1.7% YoY	Top 12.8% in tier
AMR	$47,339 -2.7% YoY+1.0% QoQ	+$18K	$28,873 +2.7% YoY	$22,531 +2.7% YoY	$19,687 +2.0% YoY	Top 6.8% in tier
CD Concentration	39.9% -13.1% YoY-4.6% QoQ	+15.5%	24.4%	15.9%	19.8%	Top 7.6% in tier
Indirect Auto %	0.6% +1222.8% QoQ	-13.2%	13.8%	0.1%	7.8%	34%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Stagnation Risk

risk

#21 of 554 • Bottom 3.6% 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): -5.48%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -6.04%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.52%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

652 nationally

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

Institutional Decline

decline

#13 of 240 • Bottom 5.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $764.63M

(Tier: $334.15M, National: $561.61M)

but better than tier avg

Member Growth (YoY): -5.48%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -6.04%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 282 Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Accelerating Exit Risk

decline

#8 of 56 • Bottom 12.7% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -5.48%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -2.68%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 282 Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Membership Headwinds

decline

#116 of 554 • Bottom 20.8% in tier

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

Why This Signature

Member Growth (YoY): -5.48%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

652 nationally

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

Shrinking Wallet Share

decline

#102 of 208 • Bottom 48.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.68%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 282 Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#348 of 705 • Bottom 49.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.21% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Liquidity Strain

risk

#144 of 228 • Bottom 63.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 97.65%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -6.04%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 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 117 peers in tier

Top Strengths (4 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $23,388

Peer Median: -

#6 of 117 Top 4.3% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $47,339

Peer Median: -

#8 of 117 Top 6.0% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 97.65%

Peer Median: -

#15 of 117 Top 12.0% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.55%

Peer Median: -

#23 of 117 Top 18.8% in 750M-1B tier

Top Weaknesses (13 metrics)

116

Net Worth Ratio

risk

Value: 6.81%

Peer Median: -

#116 of 117 Bottom 1.7% in 750M-1B tier

115

Asset Growth Rate

growth

Value: -10.51%

Peer Median: -

#115 of 117 Bottom 2.6% in 750M-1B tier

115

Deposit Growth Rate

growth

Value: -9.86%

Peer Median: -

#115 of 117 Bottom 2.6% in 750M-1B tier

115

Net Charge-Off Rate

risk

Value: 1.75%

Peer Median: -

#115 of 117 Bottom 2.6% in 750M-1B tier

114

Return on Assets (ROA)

profitability

Value: -0.21%

Peer Median: -

#114 of 117 Bottom 3.4% in 750M-1B tier

112

Loan Growth Rate

growth

Value: -6.04%

Peer Median: -

#112 of 117 Bottom 5.1% in 750M-1B tier

111

AMR Growth Rate

growth

Value: -2.68%

Peer Median: -

#111 of 117 Bottom 6.0% in 750M-1B tier

108

Share Certificate Concentration (%)

balance_sheet

Value: 39.93%

Peer Median: -

#108 of 117 Bottom 8.5% in 750M-1B tier

108

Total Members

engagement

Value: 29,127

Peer Median: -

#108 of 117 Bottom 8.5% in 750M-1B tier

106

Total Assets

balance_sheet

Value: $764.63M

Peer Median: -

#106 of 117 Bottom 10.3% in 750M-1B tier