BlastPoint's Credit Union Scorecard
DC
Charter #16411 · DC
DC has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.26% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 1.3% in tier
- + Total Loans: Top 2.6% in tier
- + Total Assets: Top 4.3% in tier
- + Total Deposits: Top 4.9% in tier
- + Fee Income Per Member: Top 5.9% in tier
- + Member Growth Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Efficiency ratio 3.37% above tier (higher cost structure)
- - Delinquency rate 1.14% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,074
+4.5% YoY+0.9% QoQ
|
+7.5K |
2,615
-1.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
Top 1.3% in tier |
| Assets |
$89.2M
+5.5% YoY-1.0% QoQ
|
+$59.0M |
$30.1M
+2.1% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
Top 4.3% in tier |
| Loans |
$57.8M
-5.4% YoY-1.8% QoQ
|
+$42.0M |
$15.8M
-1.3% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
Top 2.7% in tier |
| Deposits |
$75.2M
+3.5% YoY-2.1% QoQ
|
+$49.5M |
$25.7M
+1.4% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Top 4.9% in tier |
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| ROA |
0.4%
-45.1% YoY-12.0% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
4.2%
-13.4% YoY+0.1% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
85.9%
+14.7% YoY+0.1% QoQ
|
+3.4% |
82.6%
-2.3% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
2.7%
+19.1% YoY+16.5% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
Top 14.9% in tier |
| Loan To Share |
76.8%
-8.6% YoY+0.3% QoQ
|
+16.2% |
60.6%
-3.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$13,206
-4.9% YoY-2.8% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
13.4%
+20.5% YoY+4.7% QoQ
|
-11.0% | 24.4% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)