BlastPoint's Credit Union Scorecard

ADVANTAGE FINANCIAL

Charter #16416 · DC

1077 CUs in 100M-500M nationally 7 in DC

ADVANTAGE FINANCIAL has 2 strengths but faces 18 concerns

National Analysis

How does the industry compare?

DC Analysis

How does DC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.23% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 3.5% in tier
- Accelerating Exit Risk: Bottom 7.6% in tier
- Credit Quality Pressure: Bottom 12.9% in tier
- Shrinking Wallet Share: Bottom 13.3% in tier
- Membership Headwinds: Bottom 18.7% in tier
- Institutional Decline: Bottom 25.5% in tier
- Stagnation Risk: Bottom 30.8% in tier
- ROA 0.56% below tier average
- Efficiency ratio 15.80% above tier (higher cost structure)
- Delinquency rate 0.78% above tier average
- Member decline: -2.2% YoY
- Total Assets: Bottom 3.3% in tier
- Deposit Growth Rate: Bottom 4.9% in tier
- Total Deposits: Bottom 6.3% in tier
- Asset Growth Rate: Bottom 7.4% in tier
- First Mortgage Concentration (%): Bottom 8.0% in tier
- Total Loans: Bottom 8.8% in tier
- AMR Growth Rate: Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	9,190 -2.2% YoY-0.2% QoQ	-6.4K	15,628 -3.4% YoY	10,992 +7.3% YoY	33,089 +6.1% YoY	24%
Assets	$105.4M -2.9% YoY-2.2% QoQ	$-125.9M	$231.3M -0.0% YoY	$397.3M +10.3% YoY	$547.7M +7.8% YoY	Bottom 3.2% in tier
Loans	$58.3M -5.9% YoY-1.0% QoQ	$-89.5M	$147.8M -1.4% YoY	$237.1M +5.6% YoY	$388.7M +8.6% YoY	Bottom 8.7% in tier
Deposits	$94.3M -3.7% YoY-2.7% QoQ	$-106.0M	$200.3M -0.0% YoY	$346.2M +10.2% YoY	$464.6M +9.3% YoY	Bottom 6.2% 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	0.2% -33.6% YoY+17.4% QoQ	-0.6%	0.8% +15.5% YoY	0.1% -83.6% YoY	0.7% +273.4% YoY	Bottom 14.7% in tier
NIM	3.8% -0.7% YoY+2.3% QoQ	+0.2%	3.6% +6.9% YoY	3.6% +4.1% YoY	3.7% +5.0% YoY	63%
Efficiency Ratio	93.1% +3.1% YoY+0.1% QoQ	+15.8%	77.3% -3.0% YoY	96.2% +5.7% YoY	79.1% -3.3% YoY	Top 6.2% in tier
Delinquency Rate	1.6% +16.9% YoY+3.6% QoQ	+0.8	0.9% +7.6% YoY	2.3% +52.4% YoY	1.2% -0.9% YoY	Top 11.8% in tier
Loan To Share	61.8% -2.3% YoY+1.8% QoQ	-10.9%	72.7% -1.5% YoY	61.8% -0.7% YoY	68.0% -1.7% YoY	25%
AMR	$16,604 -2.4% YoY-1.8% QoQ	$-8K	$24,363 +2.9% YoY	$22,611 +4.7% YoY	$19,418 +1.3% YoY	16%
CD Concentration	10.6% -2.4% YoY+4.4% QoQ	-13.8%	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)

No strengths identified

Concerns (7)

Efficiency Drag

risk

#63 of 521 • Bottom 3.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 93.08%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.12% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -2.18%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Accelerating Exit Risk

decline

#21 of 58 • Bottom 7.6% in tier

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

Why This Signature

Member Growth (YoY): -2.18%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -2.44%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

58 of 1077 Community CUs have this signature | 73 nationally

↓ Shrinking -89 CUs YoY | Rank improving

Credit Quality Pressure

risk

#321 of 736 • Bottom 12.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.24% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#134 of 244 • Bottom 13.3% in tier

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

Why This Signature

AMR Growth (YoY): -2.44%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Membership Headwinds

decline

#308 of 550 • Bottom 18.7% in tier

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

Why This Signature

Member Growth (YoY): -2.18%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline

#202 of 256 • Bottom 25.5% in tier

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

Why This Signature

Total Assets: $105.39M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -2.18%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.94%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Stagnation Risk

risk

#508 of 550 • Bottom 30.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.18%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.94%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.63%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

127

Share Certificate Concentration (%)

balance_sheet

Value: 10.62%

Peer Avg: -

#127 of 1077 Top 11.7% in 100M-500M tier

Top Weaknesses (16 metrics)

1042

Total Assets

balance_sheet

Value: $105.39M

Peer Avg: -

#1042 of 1077 Bottom 3.3% in 100M-500M tier

1025

Deposit Growth Rate

growth

Value: -3.70%

Peer Avg: -

#1025 of 1077 Bottom 4.9% in 100M-500M tier

1011

Efficiency Ratio

profitability

Value: 93.08%

Peer Avg: -

#1011 of 1077 Bottom 6.2% in 100M-500M tier

1010

Total Deposits

balance_sheet

Value: $94.32M

Peer Avg: -

#1010 of 1077 Bottom 6.3% in 100M-500M tier

998

Asset Growth Rate

growth

Value: -2.85%

Peer Avg: -

#998 of 1077 Bottom 7.4% in 100M-500M tier

992

First Mortgage Concentration (%)

balance_sheet

Value: 56.60%

Peer Avg: -

#992 of 1077 Bottom 8.0% in 100M-500M tier

983

Total Loans

balance_sheet

Value: $58.27M

Peer Avg: -

#983 of 1077 Bottom 8.8% in 100M-500M tier

972

AMR Growth Rate

growth

Value: -2.44%

Peer Avg: -

#972 of 1077 Bottom 9.8% in 100M-500M tier

970

Loan Growth Rate

growth

Value: -5.94%

Peer Avg: -

#970 of 1077 Bottom 10.0% in 100M-500M tier

951

Total Delinquency Rate (60+ days)

risk

Value: 1.63%

Peer Avg: -

#951 of 1077 Bottom 11.8% in 100M-500M tier