BlastPoint's Credit Union Scorecard
DC
Charter #16411 · DC
DC has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 1.2% in tier
- + Total Loans: Top 2.3% in tier
- + Total Assets: Top 3.6% in tier
- + Total Deposits: Top 4.1% in tier
- + Fee Income Per Member: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency ratio 4.44% above tier (higher cost structure)
- - Delinquency rate 0.81% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,985
+1.9% YoY+2.0% QoQ
|
+7.4K |
2,625
-2.2% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
Top 1.2% in tier |
| Assets |
$90.1M
+8.1% YoY-0.8% QoQ
|
+$60.2M |
$29.9M
+1.1% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
Top 3.7% in tier |
| Loans |
$58.8M
-3.0% YoY-0.4% QoQ
|
+$43.1M |
$15.8M
-2.4% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
Top 2.4% in tier |
| Deposits |
$76.8M
+9.0% YoY-0.8% QoQ
|
+$51.4M |
$25.5M
+0.4% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
Top 4.1% in tier |
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| ROA |
0.5%
-54.8% YoY-13.2% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
35% |
| NIM |
4.2%
-12.5% YoY+1.5% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
63% |
| Efficiency Ratio |
85.8%
+20.9% YoY+1.1% QoQ
|
+4.4% |
81.4%
-2.4% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
69% |
| Delinquency Rate |
2.3%
+6.8% YoY+12.1% QoQ
|
+0.8 |
1.5%
-2.0% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
83% |
| Loan To Share |
76.6%
-11.1% YoY+0.4% QoQ
|
+15.3% |
61.2%
-3.0% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
72% |
| AMR |
$13,589
+1.5% YoY-2.5% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
12.8%
+38.3% YoY+16.1% QoQ
|
-11.6% |
24.4%
+4.2% YoY
|
16.1%
+11.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.1%
-38.7% YoY
|
7.9%
-2.9% YoY
|
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)