BlastPoint's Credit Union Scorecard
PMI EMPLOYEES
Charter #17691 · DC
2596 CUs in <100M nationally
18 in DC
PMI EMPLOYEES has 9 strengths but faces 14 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
- + AMR Growth Rate: Top 1.1% in tier
- + Deposit Growth Rate: Top 1.2% in tier
- + Loan Growth Rate: Top 3.6% in tier
- + Net Worth Ratio: Top 7.1% in tier
- + Asset Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 9.63% below tier average
- - Efficiency ratio 391.54% above tier (higher cost structure)
- - Member decline: -3.5% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Members: Bottom 0.5% in tier
- - Net Charge-Off Rate: Bottom 0.6% in tier
- - Total Assets: Bottom 0.8% in tier
- - Total Deposits: Bottom 0.8% in tier
- - Total Loans: Bottom 1.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.9% in tier
- - Average Member Relationship (AMR): Bottom 4.2% in tier
- - Net Interest Margin (NIM): Bottom 6.0% in tier
- - Loan-to-Share Ratio: Bottom 6.8% in tier
- - Fee Income Per Member: Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
55
-3.5% YoY-1.8% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 0.4% in tier |
| Assets |
$165,492
+9.9% YoY-4.7% QoQ
|
$-29.7M |
$29.9M
+1.1% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.8% in tier |
| Loans |
$29,167
+19.0% YoY-23.2% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.7% in tier |
| Deposits |
$117,374
+26.0% YoY+0.5% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.8% in tier |
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| ROA |
-8.9%
+417.1% YoY+695.6% QoQ
|
-9.6% |
0.7%
-731.4% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.6% in tier |
| NIM |
2.4%
+35.7% YoY+1.9% QoQ
|
-1.6% |
3.9%
+3.8% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.0% in tier |
| Efficiency Ratio |
472.9%
+137.8% YoY+219.5% QoQ
|
+391.5% |
81.4%
-2.4% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
Top 0.5% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
24.8%
-5.6% YoY-23.5% QoQ
|
-36.4% |
61.2%
-3.0% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.6% in tier |
| AMR |
$2,664
+29.1% YoY-3.6% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.1% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
16.1%
+11.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.1%
-38.7% YoY
|
7.9%
-2.9% YoY
|
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 (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
30
AMR Growth Rate
growth
Value:
29.08%
Peer Avg: -
#30 of 2596
Top 1.1% in <100M tier
31
Deposit Growth Rate
growth
Value:
26.03%
Peer Avg: -
#31 of 2596
Top 1.2% in <100M tier
95
Loan Growth Rate
growth
Value:
18.97%
Peer Avg: -
#95 of 2596
Top 3.6% in <100M tier
186
Net Worth Ratio
risk
Value:
28.40%
Peer Avg: -
#186 of 2596
Top 7.1% in <100M tier
226
Asset Growth Rate
growth
Value:
9.89%
Peer Avg: -
#226 of 2596
Top 8.7% in <100M tier
Top Weaknesses (13 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2585
Efficiency Ratio
profitability
Value:
472.94%
Peer Avg: -
#2585 of 2596
Bottom 0.5% in <100M tier
2585
Total Members
engagement
Value:
55
Peer Avg: -
#2585 of 2596
Bottom 0.5% in <100M tier
2581
Return on Assets (ROA)
profitability
Value:
-8.95%
Peer Avg: -
#2581 of 2596
Bottom 0.6% in <100M tier
2581
Net Charge-Off Rate
risk
Value:
13.16%
Peer Avg: -
#2581 of 2596
Bottom 0.6% in <100M tier
2576
Total Assets
balance_sheet
Value:
$165,492
Peer Avg: -
#2576 of 2596
Bottom 0.8% in <100M tier
2575
Total Deposits
balance_sheet
Value:
$117,374
Peer Avg: -
#2575 of 2596
Bottom 0.8% in <100M tier
2551
Total Loans
balance_sheet
Value:
$29,167
Peer Avg: -
#2551 of 2596
Bottom 1.8% in <100M tier
2496
Loan-to-Member Ratio (LMR)
engagement
Value:
$530.31
Peer Avg: -
#2496 of 2596
Bottom 3.9% in <100M tier
2489
Average Member Relationship (AMR)
engagement
Value:
$2,664
Peer Avg: -
#2489 of 2596
Bottom 4.2% in <100M tier