BlastPoint's Credit Union Scorecard

ADVANTAGE FINANCIAL

Charter #16416 · DC

100M-500M

1024 CUs in 100M-500M nationally 7 in DC

ADVANTAGE FINANCIAL has 2 strengths but faces 8 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 0.20% above tier average
+ Share Certificate Concentration (%): Top 9.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.64% below tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 7 that size in D.C..
Shares and deposits -5.0% year over year ($92.1M in shares and deposits).
Membership: 8,962 members, -2.7% vs a year ago.
Delinquency rate 1.84%.
Return on assets 0.22%.
Efficiency ratio 99.21% vs a 76.73% peer average.
Loan-to-share ratio 59.96% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	8,962 -2.7% YoY-0.9% QoQ	-6.2K	15,168 -2.6% YoY	11,304 +3.6% YoY	34,678 +6.6% YoY	24%
Assets	$103.1M -4.4% YoY-2.0% QoQ	$-129.0M	$232.0M +0.7% YoY	$419.5M +5.8% YoY	$593.1M +10.2% YoY	Bottom 2.1% in tier
Loans	$55.3M -6.1% YoY-3.5% QoQ	$-91.0M	$146.3M +0.2% YoY	$248.4M +4.8% YoY	$418.6M +10.1% YoY	Bottom 8.3% in tier
Deposits	$92.1M -5.0% YoY-2.1% QoQ	$-108.6M	$200.7M +0.2% YoY	$364.6M +5.5% YoY	$504.8M +10.3% YoY	Bottom 4.6% 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% +15.6% YoY-146.5% QoQ	-0.6%	0.9% +12.5% YoY	1.0% -30.4% YoY	1.2% +121.4% YoY	Bottom 9.7% in tier
NIM	3.9% +4.4% YoY+0.5% QoQ	+0.2%	3.7% +4.5% YoY	3.6% -0.1% YoY	3.8% +2.3% YoY	64%
Efficiency Ratio	99.2% +6.7% YoY-2.0% QoQ	+22.5%	76.7% -0.8% YoY	84.8% +17.5% YoY	83.0% -5.3% YoY	Bottom 2.0% in tier
Delinquency Rate	1.8% +16.3% YoY+19.0% QoQ	+1.0	0.9% +6.6% YoY	2.7% +26.2% YoY	1.3% +2.6% YoY	Bottom 9.0% in tier
Loan To Share	60.0% -1.2% YoY-1.5% QoQ	-11.6%	71.5% -0.3% YoY	60.8% -1.7% YoY	66.4% -1.4% YoY	26%
AMR	$16,448 -2.8% YoY-1.8% QoQ	$-9K	$25,107 +3.2% YoY	$22,625 -0.7% YoY	$20,028 -0.9% YoY	Bottom 14.5% in tier
CD Concentration	9.4% -7.6% YoY-5.4% QoQ	-15.2%	24.6%	15.9%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	0.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Efficiency Drag

risk

#15 of 531 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 99.21%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.03% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -2.71%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Stagnation Risk

risk

#60 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.71%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.09%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.84%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Accelerating Exit Risk

decline

#10 of 46 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -2.71%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -2.76%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 1024 Mid-Small & Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY | Rank improving

Credit Quality Pressure

risk

#289 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#98 of 223 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -2.76%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank improving

Membership Headwinds

decline

#259 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -2.71%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#153 of 230 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $103.05M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -2.71%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.09%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 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 1024 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 9.40%

Peer Median: 23.39%

#97 of 1024 Top 9.4% in 100M-500M tier

Top Weaknesses (15 metrics)

1005

Efficiency Ratio

profitability

Value: 99.21%

Peer Median: 77.26%

#1005 of 1024 Bottom 2.0% in 100M-500M tier

1003

Total Assets

balance_sheet

Value: $103.05M

Peer Median: $196.38M

#1003 of 1024 Bottom 2.1% in 100M-500M tier

998

Asset Growth Rate

growth

Value: -4.41%

Peer Median: 4.12%

#998 of 1024 Bottom 2.6% in 100M-500M tier

995

Deposit Growth Rate

growth

Value: -4.98%

Peer Median: 3.58%

#995 of 1024 Bottom 2.9% in 100M-500M tier

977

Total Deposits

balance_sheet

Value: $92.15M

Peer Median: $170.77M

#977 of 1024 Bottom 4.7% in 100M-500M tier

947

Loan Growth Rate

growth

Value: -6.09%

Peer Median: 3.02%

#947 of 1024 Bottom 7.6% in 100M-500M tier

946

AMR Growth Rate

growth

Value: -2.76%

Peer Median: 3.53%

#946 of 1024 Bottom 7.7% in 100M-500M tier

939

Total Loans

balance_sheet

Value: $55.25M

Peer Median: $124.04M

#939 of 1024 Bottom 8.4% in 100M-500M tier

933

Total Delinquency Rate (60+ days)

risk

Value: 1.84%

Peer Median: 0.71%

#933 of 1024 Bottom 9.0% in 100M-500M tier

932

First Mortgage Concentration (%)

balance_sheet

Value: 55.95%

Peer Median: 29.92%

#932 of 1024 Bottom 9.1% in 100M-500M tier