BlastPoint's Credit Union Scorecard

DISTRICT OF COLUMBIA TEACHERS

Charter #1821 · DC

<100M

2508 CUs in <100M nationally 18 in DC

DISTRICT OF COLUMBIA TEACHERS has 2 strengths but faces 3 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

+ ROA 0.30% above tier average
+ Net Charge-Off Rate: Top 7.3% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 0.12% above tier average
- Member decline: -3.5% YoY
- First Mortgage Concentration (%): Bottom 4.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	3,761 -3.5% YoY-1.8% QoQ	+1.1K	2,676 +1.6% YoY	11,106 +1.6% YoY	33,913 +5.7% YoY	77%
Assets	$49.3M -0.1% YoY+0.6% QoQ	+$19.1M	$30.2M +1.3% YoY	$410.2M +3.1% YoY	$578.3M +9.0% YoY	77%
Loans	$17.1M -7.2% YoY-3.2% QoQ	+$1.8M	$15.3M -2.0% YoY	$239.7M +1.2% YoY	$402.4M +8.7% YoY	66%
Deposits	$44.4M -1.7% YoY+0.9% QoQ	+$18.6M	$25.8M +0.7% YoY	$357.7M +2.6% YoY	$494.3M +9.1% YoY	78%

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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	0.4% -2.4% YoY-22.4% QoQ	+0.3%	0.1% -77.6% YoY	-0.4% -168.3% YoY	0.4% -39.2% YoY	42%
NIM	3.3% +5.3% YoY-3.7% QoQ	-0.7%	4.0% +4.0% YoY	3.5% +3.4% YoY	3.8% +4.1% YoY	28%
Efficiency Ratio	84.2% -6.5% YoY-2.8% QoQ	-6.4%	90.6% +6.5% YoY	86.5% +9.1% YoY	84.6% +2.8% YoY	56%
Delinquency Rate	1.6% -18.8% YoY-20.6% QoQ	+0.1	1.5% +3.8% YoY	2.3% +3.6% YoY	1.2% +3.4% YoY	76%
Loan To Share	38.4% -5.6% YoY-4.1% QoQ	-20.1%	58.5% -3.0% YoY	60.4% -2.3% YoY	65.6% -1.4% YoY	20%
AMR	$16,329 +0.2% YoY+1.5% QoQ	+$1K	$14,884 -1.7% YoY	$22,450 -2.0% YoY	$19,920 +1.6% YoY	62%
CD Concentration	8.1% -6.1% YoY-2.0% QoQ	-16.1%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

185

Net Charge-Off Rate

risk

Value: -0.16%

Peer Median: 0.07%

#185 of 2508 Top 7.3% in <100M tier

342

Fee Income Per Member

profitability

Value: $141.64

Peer Median: $60.42

#342 of 2508 Top 13.6% in <100M tier

546

Total Deposits

balance_sheet

Value: $44.36M

Peer Median: $18.77M

#546 of 2508 Top 21.7% in <100M tier

583

Total Members

engagement

Value: 3,761

Peer Median: 1,918

#583 of 2508 Top 23.2% in <100M tier

586

Total Assets

balance_sheet

Value: $49.28M

Peer Median: $21.86M

#586 of 2508 Top 23.3% in <100M tier

Top Weaknesses (4 metrics)

2395

First Mortgage Concentration (%)

balance_sheet

Value: 58.91%

Peer Median: 3.66%

#2395 of 2508 Bottom 4.5% in <100M tier

2248

Net Worth Ratio

risk

Value: 9.05%

Peer Median: 14.28%

#2248 of 2508 Bottom 10.4% in <100M tier

2009

Loan-to-Share Ratio

balance_sheet

Value: 38.44%

Peer Median: 58.72%

#2009 of 2508 Bottom 19.9% in <100M tier

1916

Total Delinquency Rate (60+ days)

risk

Value: 1.63%

Peer Median: 0.65%

#1916 of 2508 Bottom 23.6% in <100M tier