BlastPoint's Credit Union Scorecard

ADVANTAGE FINANCIAL

Charter #16416 · DC

1069 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 0.25% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 3.7% in tier
- Stagnation Risk: Bottom 15.5% in tier
- Credit Quality Pressure: Bottom 51.6% in tier
- Membership Headwinds: Bottom 54.1% in tier
- Accelerating Exit Risk: Bottom 61.8% in tier
- Institutional Decline: Bottom 75.7% in tier
- Shrinking Wallet Share: Bottom 84.5% in tier
- ROA 0.58% below tier average
- Efficiency ratio 16.06% above tier (higher cost structure)
- Delinquency rate 0.88% above tier average
- Member decline: -2.5% YoY
- Total Assets: Bottom 3.8% in tier
- Total Deposits: Bottom 6.2% in tier
- First Mortgage Concentration (%): Bottom 7.9% in tier
- Loan Growth Rate: Bottom 8.3% in tier
- Deposit Growth Rate: Bottom 8.8% in tier
- Total Loans: Bottom 9.0% in tier
- Total Delinquency Rate (60+ days): Bottom 9.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	9,066 -2.5% YoY-1.3% QoQ	-6.4K	15,437 -2.9% YoY	11,054 +4.8% YoY	33,374 +5.7% YoY	24%
Assets	$105.6M -0.1% YoY+0.2% QoQ	$-126.3M	$231.9M +1.3% YoY	$405.8M +7.7% YoY	$561.6M +9.7% YoY	Bottom 3.7% in tier
Loans	$57.7M -6.1% YoY-0.9% QoQ	$-89.6M	$147.3M -0.1% YoY	$240.1M +3.9% YoY	$397.0M +8.8% YoY	Bottom 8.9% in tier
Deposits	$94.3M -2.0% YoY+0.0% QoQ	$-106.5M	$200.8M +0.8% YoY	$353.5M +6.9% YoY	$477.3M +9.7% YoY	Bottom 6.1% 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% -12.3% YoY-20.3% QoQ	-0.6%	0.8% +18.2% YoY	-0.0% -109.0% YoY	0.7% +15.9% YoY	Bottom 12.3% in tier
NIM	3.9% -0.9% YoY+1.3% QoQ	+0.3%	3.6% +6.7% YoY	3.6% +2.8% YoY	3.8% +5.1% YoY	65%
Efficiency Ratio	93.1% +0.9% YoY-0.0% QoQ	+16.1%	77.0% -3.1% YoY	96.5% +10.4% YoY	79.7% -3.3% YoY	Top 5.6% in tier
Delinquency Rate	1.8% +12.8% YoY+8.3% QoQ	+0.9	0.9% +4.2% YoY	2.4% +56.5% YoY	1.3% -2.1% YoY	Top 9.7% in tier
Loan To Share	61.2% -4.2% YoY-0.9% QoQ	-11.0%	72.2% -1.1% YoY	62.1% -3.1% YoY	67.4% -1.7% YoY	26%
AMR	$16,776 -1.1% YoY+1.0% QoQ	$-8K	$24,676 +3.4% YoY	$22,531 +2.7% YoY	$19,687 +2.0% YoY	16%
CD Concentration	10.2% -4.4% YoY-4.4% QoQ	-14.3%	24.4%	15.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	0.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Efficiency Drag

risk

#21 of 538 • Bottom 3.7% 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: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.03% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -2.46%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Stagnation Risk

risk

#87 of 554 • Bottom 15.5% 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): -2.46%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -6.08%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.77%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#364 of 705 • Bottom 51.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.20% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Membership Headwinds

decline

#300 of 554 • Bottom 54.1% in tier

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

Why This Signature

Member Growth (YoY): -2.46%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Accelerating Exit Risk

decline

#35 of 56 • Bottom 61.8% in tier

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

Why This Signature

Member Growth (YoY): -2.46%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -1.15%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Institutional Decline

decline

#182 of 240 • Bottom 75.7% in tier

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

Why This Signature

Total Assets: $105.56M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -2.46%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -6.08%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Shrinking Wallet Share

decline

#176 of 208 • Bottom 84.5% in tier

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

Why This Signature

AMR Growth (YoY): -1.15%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 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 1069 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

112

Share Certificate Concentration (%)

balance_sheet

Value: 10.15%

Peer Median: -

#112 of 1069 Top 10.4% in 100M-500M tier

Top Weaknesses (15 metrics)

1029

Total Assets

balance_sheet

Value: $105.56M

Peer Median: -

#1029 of 1069 Bottom 3.8% in 100M-500M tier

1010

Efficiency Ratio

profitability

Value: 93.08%

Peer Median: -

#1010 of 1069 Bottom 5.6% in 100M-500M tier

1004

Total Deposits

balance_sheet

Value: $94.35M

Peer Median: -

#1004 of 1069 Bottom 6.2% in 100M-500M tier

986

First Mortgage Concentration (%)

balance_sheet

Value: 56.69%

Peer Median: -

#986 of 1069 Bottom 7.9% in 100M-500M tier

981

Loan Growth Rate

growth

Value: -6.08%

Peer Median: -

#981 of 1069 Bottom 8.3% in 100M-500M tier

976

Deposit Growth Rate

growth

Value: -1.98%

Peer Median: -

#976 of 1069 Bottom 8.8% in 100M-500M tier

974

Total Loans

balance_sheet

Value: $57.74M

Peer Median: -

#974 of 1069 Bottom 9.0% in 100M-500M tier

966

Total Delinquency Rate (60+ days)

risk

Value: 1.77%

Peer Median: -

#966 of 1069 Bottom 9.7% in 100M-500M tier

938

Return on Assets (ROA)

profitability

Value: 0.18%

Peer Median: -

#938 of 1069 Bottom 12.3% in 100M-500M tier

925

AMR Growth Rate

growth

Value: -1.15%

Peer Median: -

#925 of 1069 Bottom 13.6% in 100M-500M tier