BlastPoint's Credit Union Scorecard
PMI EMPLOYEES
Charter #17691 · DC
<100M
2508 CUs in <100M nationally
18 in DC
PMI EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 1.0% in tier
- + Net Worth Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 2.18% below tier average
- - Efficiency ratio 103.65% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Members: Bottom 0.4% in tier
- - Total Assets: Bottom 0.8% in tier
- - Total Deposits: Bottom 0.8% in tier
- - Total Loans: Bottom 1.4% in tier
- - Loan Growth Rate: Bottom 1.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
56
0% YoY+1.8% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
11,106
+1.6% YoY
|
33,913
+5.7% YoY
|
Bottom 0.4% in tier |
| Assets |
$161,923
-4.7% YoY-1.7% QoQ
|
$-30.0M |
$30.2M
+1.3% YoY
|
$410.2M
+3.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.7% in tier |
| Loans |
$21,788
-37.2% YoY-22.0% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$239.7M
+1.2% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.3% in tier |
| Deposits |
$119,653
+6.1% YoY-2.3% QoQ
|
$-25.7M |
$25.8M
+0.7% YoY
|
$357.7M
+2.6% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.8% in tier |
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| ROA |
-2.0%
+558.4% YoY-77.4% QoQ
|
-2.2% |
0.1%
-77.6% YoY
|
-0.4%
-168.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.8% in tier |
| NIM |
2.2%
-19.9% YoY-15.5% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
3.5%
+3.4% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.6% in tier |
| Efficiency Ratio |
194.3%
+74.3% YoY-56.9% QoQ
|
+103.7% |
90.6%
+6.5% YoY
|
86.5%
+9.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.9% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
2.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
18.2%
-40.9% YoY-20.2% QoQ
|
-40.3% |
58.5%
-3.0% YoY
|
60.4%
-2.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 4.3% in tier |
| AMR |
$2,526
-4.1% YoY-7.6% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$22,450
-2.0% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.7% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
25
Net Charge-Off Rate
risk
Value:
-1.47%
Peer Median: 0.07%
#25 of 2508
Top 1.0% in <100M tier
247
Net Worth Ratio
risk
Value:
25.64%
Peer Median: 14.28%
#247 of 2508
Top 9.8% in <100M tier
468
Deposit Growth Rate
growth
Value:
6.14%
Peer Median: 0.66%
#468 of 2508
Top 18.6% in <100M tier
Top Weaknesses (15 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2498
Total Members
engagement
Value:
56
Peer Median: 1,918
#2498 of 2508
Bottom 0.4% in <100M tier
2490
Total Assets
balance_sheet
Value:
$161,923
Peer Median: $21.86M
#2490 of 2508
Bottom 0.8% in <100M tier
2488
Total Deposits
balance_sheet
Value:
$119,653
Peer Median: $18.77M
#2488 of 2508
Bottom 0.8% in <100M tier
2475
Total Loans
balance_sheet
Value:
$21,788
Peer Median: $9.48M
#2475 of 2508
Bottom 1.4% in <100M tier
2471
Loan Growth Rate
growth
Value:
-37.24%
Peer Median: -2.36%
#2471 of 2508
Bottom 1.5% in <100M tier
2462
Efficiency Ratio
profitability
Value:
194.29%
Peer Median: 81.45%
#2462 of 2508
Bottom 1.9% in <100M tier
2434
Loan-to-Member Ratio (LMR)
engagement
Value:
$389.07
Peer Median: $4,923
#2434 of 2508
Bottom 3.0% in <100M tier
2416
Average Member Relationship (AMR)
engagement
Value:
$2,526
Peer Median: $13,926
#2416 of 2508
Bottom 3.7% in <100M tier
2399
Loan-to-Share Ratio
balance_sheet
Value:
18.21%
Peer Median: 58.72%
#2399 of 2508
Bottom 4.4% in <100M tier