BlastPoint's Credit Union Scorecard
PMI EMPLOYEES
Charter #17691 · DC
2556 CUs in <100M nationally
18 in DC
PMI EMPLOYEES has 5 strengths but faces 15 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - ROA 9.65% below tier average
- - Efficiency ratio 368.26% above tier (higher cost structure)
- - Member decline: -3.5% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Members: Bottom 0.4% in tier
- - Total Assets: Bottom 0.9% in tier
- - Total Deposits: Bottom 0.9% in tier
- - Net Charge-Off Rate: Bottom 1.1% in tier
- - Total Loans: Bottom 1.6% in tier
- - Loan Growth Rate: Bottom 1.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.5% in tier
- - Average Member Relationship (AMR): Bottom 4.1% in tier
- - Fee Income Per Member: Bottom 5.8% in tier
- - Loan-to-Share Ratio: Bottom 5.8% in tier
- - Net Interest Margin (NIM): Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
55
-3.5% YoY0% QoQ
|
-2.6K |
2,615
-1.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
Bottom 0.4% in tier |
| Assets |
$164,782
+4.1% YoY-0.4% QoQ
|
$-30.0M |
$30.1M
+2.1% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.8% in tier |
| Loans |
$27,931
-32.4% YoY-4.2% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.5% in tier |
| Deposits |
$122,438
+21.1% YoY+4.3% QoQ
|
$-25.6M |
$25.7M
+1.4% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.9% in tier |
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| ROA |
-9.0%
+561.3% YoY+0.9% QoQ
|
-9.7% |
0.6%
+10.8% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.5% in tier |
| NIM |
2.6%
+41.8% YoY+7.6% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.9% in tier |
| Efficiency Ratio |
450.8%
+156.9% YoY-4.7% QoQ
|
+368.3% |
82.6%
-2.3% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
Top 0.4% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
22.8%
-44.2% YoY-8.2% QoQ
|
-37.8% |
60.6%
-3.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.7% in tier |
| AMR |
$2,734
+9.4% YoY+2.6% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.1% in tier |
| CD Concentration | 0.0% | -24.4% | 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 (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: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
42
Deposit Growth Rate
growth
Value:
21.12%
Peer Median: -
#42 of 2556
Top 1.6% in <100M tier
260
Net Worth Ratio
risk
Value:
25.70%
Peer Median: -
#260 of 2556
Top 10.1% in <100M tier
282
AMR Growth Rate
growth
Value:
9.43%
Peer Median: -
#282 of 2556
Top 11.0% in <100M tier
Top Weaknesses (14 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2546
Efficiency Ratio
profitability
Value:
450.82%
Peer Median: -
#2546 of 2556
Bottom 0.4% in <100M tier
2546
Total Members
engagement
Value:
55
Peer Median: -
#2546 of 2556
Bottom 0.4% in <100M tier
2544
Return on Assets (ROA)
profitability
Value:
-9.03%
Peer Median: -
#2544 of 2556
Bottom 0.5% in <100M tier
2535
Total Assets
balance_sheet
Value:
$164,782
Peer Median: -
#2535 of 2556
Bottom 0.9% in <100M tier
2533
Total Deposits
balance_sheet
Value:
$122,438
Peer Median: -
#2533 of 2556
Bottom 0.9% in <100M tier
2529
Net Charge-Off Rate
risk
Value:
7.89%
Peer Median: -
#2529 of 2556
Bottom 1.1% in <100M tier
2517
Total Loans
balance_sheet
Value:
$27,931
Peer Median: -
#2517 of 2556
Bottom 1.6% in <100M tier
2509
Loan Growth Rate
growth
Value:
-32.40%
Peer Median: -
#2509 of 2556
Bottom 1.9% in <100M tier
2467
Loan-to-Member Ratio (LMR)
engagement
Value:
$507.84
Peer Median: -
#2467 of 2556
Bottom 3.5% in <100M tier