DEPARTMENT OF COMMERCE

Charter #16410 | DC

750M-1B (112 CUs) Community (281 CUs)
2 750M-1B in DC

DEPARTMENT OF COMMERCE has 2 strengths but faces 20 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Loan-to-Member Ratio (LMR): Top 3.6% in tier
  • + Average Member Relationship (AMR): Top 5.4% in tier

Key Concerns

Areas that may need attention

  • - Accelerating Exit Risk: Bottom 1.2% in tier
  • - Institutional Decline: Bottom 1.3% in tier
  • - Membership Headwinds: Bottom 8.4% in tier
  • - Shrinking Wallet Share: Bottom 8.8% in tier
  • - Stagnation Risk: Bottom 14.8% in tier
  • - Liquidity Strain: Bottom 23.4% in tier
  • - Credit Quality Pressure: Bottom 23.6% in tier
  • - ROA 0.88% below tier average
  • - Efficiency ratio 2.69% above tier (higher cost structure)
  • - Delinquency rate 0.46% above tier average
  • - Member decline: -4.4% YoY
  • - Asset Growth Rate: Bottom 0.9% in tier
  • - Deposit Growth Rate: Bottom 1.8% in tier
  • - Net Worth Ratio: Bottom 1.8% in tier
  • - Loan Growth Rate: Bottom 2.7% in tier
  • - Net Charge-Off Rate: Bottom 5.4% in tier
  • - AMR Growth Rate: Bottom 7.1% in tier
  • - Share Certificate Concentration (%): Bottom 7.1% in tier
  • - Total Members: Bottom 8.0% in tier
  • - Total Assets: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (DC) National Avg Tier Percentile
Members 29,774
-4.4% YoY+1.2% QoQ
 -22.3K 52,114
-2.1% YoY
 10,992
+7.3% YoY
 33,089
+6.1% YoY
 Bottom 7.1% in tier
Assets $768.6M
-10.6% YoY-4.8% QoQ
 $-90.4M $859.0M
+0.0% YoY
 $397.3M
+10.3% YoY
 $547.7M
+7.8% YoY
 Bottom 8.0% in tier
Loans $685.1M
-8.2% YoY+0.2% QoQ
 +$81.7M $603.4M
+1.0% YoY
 $237.1M
+5.6% YoY
 $388.7M
+8.6% YoY
 Top 25.0% in tier
Deposits $711.0M
-8.1% YoY-2.4% QoQ
 $-23.2M $734.2M
+0.9% YoY
 $346.2M
+10.2% YoY
 $464.6M
+9.3% YoY
 41st in tier
ROA -0.2%
-161.0% YoY-31.1% QoQ
 -0.9% 0.7%
+27.6% YoY
 0.1%
-83.6% YoY
 0.7%
+273.4% YoY
 Bottom 4.5% in tier
NIM 2.7%
-8.2% YoY+3.3% QoQ
 -0.7% 3.4%
+9.6% YoY
 3.6%
+4.1% YoY
 3.7%
+5.0% YoY
 Bottom 14.3% in tier
Efficiency Ratio 77.2%
+14.2% YoY+0.2% QoQ
 +2.7% 74.5%
-3.2% YoY
 96.2%
+5.7% YoY
 79.1%
-3.3% YoY
 52nd in tier
Delinquency Rate 1.3%
+4.4% YoY-13.3% QoQ
 +0.5 0.8%
+5.0% YoY
 2.3%
+52.4% YoY
 1.2%
-0.9% YoY
 Top 17.9% in tier
Loan To Share 96.4%
-0.1% YoY+2.7% QoQ
 +13.7% 82.7%
+0.1% YoY
 61.8%
-0.7% YoY
 68.0%
-1.7% YoY
 Top 17.0% in tier
AMR $46,889
-3.9% YoY-2.3% QoQ
 +$18K $28,651
+2.5% YoY
 $22,611
+4.7% YoY
 $19,418
+1.3% YoY
 Top 6.2% in tier
CD Concentration 41.9%
-10.8% YoY-2.6% QoQ
 +17.5% 24.4%
+4.2% YoY
 16.1%
+11.6% YoY
 19.6%
+6.2% YoY
 Top 5.3% in tier
Indirect Auto % 0.0%
+3.0% QoQ
 -13.9% 14.0%
-5.8% YoY
 0.1%
-38.7% YoY
 7.9%
-2.9% YoY
 31st in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Accelerating Exit Risk

decline
#4 of 58 • Bottom 1.2% in tier

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

Why This Signature
Member Growth (YoY): -4.44%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -3.85%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
58 of 281 Community CUs have this signature | 73 nationally
↓ Shrinking -89 CUs YoY | New qualifier

Institutional Decline

decline
#11 of 256 • Bottom 1.3% in tier

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

Why This Signature
Total Assets: $768.56M
(Tier: $859.01M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -4.44%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -8.15%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 281 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline
#139 of 550 • Bottom 8.4% in tier

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

Why This Signature
Member Growth (YoY): -4.44%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#89 of 244 • Bottom 8.8% in tier

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

Why This Signature
AMR Growth (YoY): -3.85%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Stagnation Risk

risk
#244 of 550 • Bottom 14.8% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -0.17%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -4.44%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $46.9K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 41.86%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Strain

risk
#182 of 258 • Bottom 23.4% in tier

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

Why This Signature
Loan-to-Share Ratio: 96.35%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -8.15%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#585 of 736 • Bottom 23.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.05% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 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)

Comparing against 112 peers in tier

Top Strengths (5 metrics)

5
Loan-to-Member Ratio (LMR)
engagement
Value: $23,009
Peer Avg: $12,810
#5 of 112 Top 3.6% in 750M-1B tier
7
Average Member Relationship (AMR)
engagement
Value: $46,889
Peer Avg: $28,651
#7 of 112 Top 5.4% in 750M-1B tier
19
Loan-to-Share Ratio
balance_sheet
Value: 96.35%
Peer Avg: 82.66%
#19 of 112 Top 16.1% in 750M-1B tier
20
Indirect Auto Concentration (%)
balance_sheet
Value: 0.04%
Peer Avg: 16.60%
#20 of 112 Top 17.0% in 750M-1B tier
28
Total Loans
balance_sheet
Value: $685.07M
Peer Avg: $603.36M
#28 of 112 Top 24.1% in 750M-1B tier

Top Weaknesses (14 metrics)

112
Asset Growth Rate
growth
Value: -10.57%
Peer Avg: 4.25%
#112 of 112 Bottom 0.9% in 750M-1B tier
111
Deposit Growth Rate
growth
Value: -8.08%
Peer Avg: 5.03%
#111 of 112 Bottom 1.8% in 750M-1B tier
111
Net Worth Ratio
risk
Value: 6.85%
Peer Avg: 11.52%
#111 of 112 Bottom 1.8% in 750M-1B tier
110
Loan Growth Rate
growth
Value: -8.15%
Peer Avg: 4.84%
#110 of 112 Bottom 2.7% in 750M-1B tier
107
Return on Assets (ROA)
profitability
Value: -0.17%
Peer Avg: 0.71%
#107 of 112 Bottom 5.4% in 750M-1B tier
107
Net Charge-Off Rate
risk
Value: 1.73%
Peer Avg: 0.61%
#107 of 112 Bottom 5.4% in 750M-1B tier
105
AMR Growth Rate
growth
Value: -3.85%
Peer Avg: 4.90%
#105 of 112 Bottom 7.1% in 750M-1B tier
105
Share Certificate Concentration (%)
balance_sheet
Value: 41.86%
Peer Avg: 28.34%
#105 of 112 Bottom 7.1% in 750M-1B tier
104
Total Members
engagement
Value: 29,774
Peer Avg: 52,114
#104 of 112 Bottom 8.0% in 750M-1B tier
103
Total Assets
balance_sheet
Value: $768.56M
Peer Avg: $859.01M
#103 of 112 Bottom 8.9% in 750M-1B tier