BlastPoint's Credit Union Scorecard

DC

Charter #16411 · DC

<100M
2508 CUs in <100M nationally 18 in DC

DC has 6 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.58% above tier average
  • + Total Members: Top 1.3% in tier
  • + Total Loans: Top 2.1% in tier
  • + Total Assets: Top 3.6% in tier
  • + Total Deposits: Top 4.4% in tier
  • + Fee Income Per Member: Top 5.0% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 0.97% above tier average

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (DC) National Avg Tier Percentile
Members 9,931
+2.4% YoY-1.4% QoQ
+7.3K 2,676
+1.6% YoY
11,106
+1.6% YoY
33,913
+5.7% YoY
Top 1.4% in tier
Assets $90.5M
-0.5% YoY+1.4% QoQ
+$60.3M $30.2M
+1.3% YoY
$410.2M
+3.1% YoY
$578.3M
+9.0% YoY
Top 3.6% in tier
Loans $58.1M
-3.3% YoY+0.5% QoQ
+$42.8M $15.3M
-2.0% YoY
$239.7M
+1.2% YoY
$402.4M
+8.7% YoY
Top 2.1% in tier
Deposits $76.3M
-1.5% YoY+1.5% QoQ
+$50.6M $25.8M
+0.7% YoY
$357.7M
+2.6% YoY
$494.3M
+9.1% YoY
Top 4.5% in tier

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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 0.1%
-81.9% YoY-75.4% QoQ
+0.0% 0.1%
-77.6% YoY
-0.4%
-168.3% YoY
0.4%
-39.2% YoY
26%
NIM 4.6%
+8.8% YoY+8.8% QoQ
+0.6% 4.0%
+4.0% YoY
3.5%
+3.4% YoY
3.8%
+4.1% YoY
79%
Efficiency Ratio 89.7%
+5.5% YoY+4.4% QoQ
-0.9% 90.6%
+6.5% YoY
86.5%
+9.1% YoY
84.6%
+2.8% YoY
68%
Delinquency Rate 2.5%
-16.6% YoY-8.3% QoQ
+1.0 1.5%
+3.8% YoY
2.3%
+3.6% YoY
1.2%
+3.4% YoY
Bottom 14.7% in tier
Loan To Share 76.1%
-1.9% YoY-1.0% QoQ
+17.6% 58.5%
-3.0% YoY
60.4%
-2.3% YoY
65.6%
-1.4% YoY
76%
AMR $13,535
-4.6% YoY+2.5% QoQ
$-1K $14,884
-1.7% YoY
$22,450
-2.0% YoY
$19,920
+1.6% YoY
48%
CD Concentration 13.0%
+13.7% YoY-3.4% QoQ
-11.3% 24.3% 15.4% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 0.1% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
34
Total Members
engagement
Value: 9,931
Peer Median: 1,918
#34 of 2508 Top 1.3% in <100M tier
53
Total Loans
balance_sheet
Value: $58.08M
Peer Median: $9.48M
#53 of 2508 Top 2.1% in <100M tier
91
Total Assets
balance_sheet
Value: $90.46M
Peer Median: $21.86M
#91 of 2508 Top 3.6% in <100M tier
112
Total Deposits
balance_sheet
Value: $76.34M
Peer Median: $18.77M
#112 of 2508 Top 4.4% in <100M tier
126
Fee Income Per Member
profitability
Value: $199.86
Peer Median: $60.42
#126 of 2508 Top 5.0% in <100M tier
361
Member Growth Rate
growth
Value: 2.39%
Peer Median: -1.37%
#361 of 2508 Top 14.4% in <100M tier
529
Net Interest Margin (NIM)
profitability
Value: 4.58%
Peer Median: 3.83%
#529 of 2508 Top 21.1% in <100M tier
587
Loan-to-Share Ratio
balance_sheet
Value: 76.09%
Peer Median: 58.72%
#587 of 2508 Top 23.4% in <100M tier
594
Members Per Employee (MPE)
engagement
Value: 431.783
Peer Median: 333.750
#594 of 2508 Top 23.6% in <100M tier

Top Weaknesses (4 metrics)

2140
Total Delinquency Rate (60+ days)
risk
Value: 2.47%
Peer Median: 0.65%
#2140 of 2508 Bottom 14.7% in <100M tier
2086
Net Charge-Off Rate
risk
Value: 0.84%
Peer Median: 0.07%
#2086 of 2508 Bottom 16.9% in <100M tier
2051
AMR Growth Rate
growth
Value: -4.60%
Peer Median: 1.27%
#2051 of 2508 Bottom 18.3% in <100M tier
1987
First Mortgage Concentration (%)
balance_sheet
Value: 29.95%
Peer Median: 3.66%
#1987 of 2508 Bottom 20.8% in <100M tier
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