BlastPoint's Credit Union Scorecard
DEPARTMENT OF COMMERCE
Charter #16410 · DC
DEPARTMENT OF COMMERCE has 2 strengths but faces 8 concerns
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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
- - Liquidity Strain: Bottom 4.7% in tier
- - Institutional Decline: Bottom 8.1% in tier
- - Credit Quality Pressure: Bottom 33.7% in tier
- - Accelerating Exit Risk: Bottom 78.6% in tier
- - Stagnation Risk: Bottom 78.6% in tier
- - Membership Headwinds: Bottom 78.6% in tier
- - Shrinking Wallet Share: Bottom 95.1% in tier
- - ROA 0.26% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
29,033
-2.7% YoY-0.3% QoQ
|
-22.5K |
51,500
+0.7% YoY
|
11,106
+1.6% YoY
|
33,913
+5.7% YoY
|
Bottom 7.7% in tier |
| Assets |
$762.4M
-9.0% YoY-0.3% QoQ
|
$-103.3M |
$865.6M
+0.9% YoY
|
$410.2M
+3.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.8% in tier |
| Loans |
$661.6M
-5.5% YoY-2.9% QoQ
|
+$66.3M |
$595.3M
+1.6% YoY
|
$239.7M
+1.2% YoY
|
$402.4M
+8.7% YoY
|
68% |
| Deposits |
$691.7M
-9.2% YoY-0.8% QoQ
|
$-50.4M |
$742.2M
+0.6% YoY
|
$357.7M
+2.6% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
0.5%
-215.1% YoY-338.0% QoQ
|
-0.3% |
0.8%
+45.0% YoY
|
-0.4%
-168.3% YoY
|
0.4%
-39.2% YoY
|
40% |
| NIM |
3.0%
+18.2% YoY+7.3% QoQ
|
-0.5% |
3.5%
+6.1% YoY
|
3.5%
+3.4% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
75.6%
-0.9% YoY-3.4% QoQ
|
+0.1% |
75.5%
-3.4% YoY
|
86.5%
+9.1% YoY
|
84.6%
+2.8% YoY
|
40% |
| Delinquency Rate |
1.4%
+10.0% YoY-8.3% QoQ
|
+0.7 |
0.7%
-0.1% YoY
|
2.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.5% in tier |
| Loan To Share |
95.6%
+4.1% YoY-2.1% QoQ
|
+15.0% |
80.6%
+0.7% YoY
|
60.4%
-2.3% YoY
|
65.6%
-1.4% YoY
|
Top 12.0% in tier |
| AMR |
$46,612
-4.8% YoY-1.5% QoQ
|
+$18K |
$28,908
+0.7% YoY
|
$22,450
-2.0% YoY
|
$19,920
+1.6% YoY
|
Top 6.8% in tier |
| CD Concentration |
38.7%
-13.5% YoY-3.1% QoQ
|
+14.4% | 24.3% | 15.4% | 19.8% | Top 8.5% in tier |
| Indirect Auto % |
1.6%
+197.0% QoQ
|
-12.2% | 13.8% | 0.1% | 7.7% | 38% |
Signature Analysis
Strengths (0)
Concerns (7)
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)