BlastPoint's Credit Union Scorecard
ADVANTAGE FINANCIAL
Charter #16416 · DC
ADVANTAGE FINANCIAL has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.24% above tier average
- + Share Certificate Concentration (%): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 1.21% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,041
-2.5% YoY-0.3% QoQ
|
-6.1K |
15,145
-2.5% YoY
|
11,106
+1.6% YoY
|
33,913
+5.7% YoY
|
25% |
| Assets |
$105.1M
-3.6% YoY-0.4% QoQ
|
$-126.6M |
$231.7M
+0.8% YoY
|
$410.2M
+3.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.9% in tier |
| Loans |
$57.3M
-4.5% YoY-0.8% QoQ
|
$-86.9M |
$144.1M
+0.2% YoY
|
$239.7M
+1.2% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.3% in tier |
| Deposits |
$94.1M
-4.5% YoY-0.3% QoQ
|
$-107.0M |
$201.1M
+0.4% YoY
|
$357.7M
+2.6% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.3% in tier |
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| ROA |
-0.5%
-659.6% YoY-365.7% QoQ
|
-1.2% |
0.7%
+5.1% YoY
|
-0.4%
-168.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.1% in tier |
| NIM |
3.9%
+1.8% YoY+0.2% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
3.5%
+3.4% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
101.2%
+8.6% YoY+8.7% QoQ
|
+23.2% |
78.0%
-1.7% YoY
|
86.5%
+9.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.9% in tier |
| Delinquency Rate |
1.5%
+3.4% YoY-12.8% QoQ
|
+0.8 |
0.8%
+7.1% YoY
|
2.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.2% in tier |
| Loan To Share |
60.9%
-0.0% YoY-0.5% QoQ
|
-9.6% |
70.4%
-0.4% YoY
|
60.4%
-2.3% YoY
|
65.6%
-1.4% YoY
|
29% |
| AMR |
$16,742
-2.0% YoY-0.2% QoQ
|
$-8K |
$24,918
+2.7% YoY
|
$22,450
-2.0% YoY
|
$19,920
+1.6% YoY
|
15% |
| CD Concentration |
9.9%
-3.0% YoY-2.2% QoQ
|
-14.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)