DISTRICT OF COLUMBIA TEACHERS
Charter #1821 | DC
<100M
(2596 CUs)
Micro
($0-$500M)
18 <100M in DC
DISTRICT OF COLUMBIA TEACHERS has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Efficiency ratio 5.70% above tier (higher cost structure)
- - Delinquency rate 0.49% above tier average
- - Member decline: -2.1% YoY
- - First Mortgage Concentration (%): Bottom 4.6% in tier
- - Net Worth Ratio: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,860
-2.1% YoY-0.3% QoQ
|
+1.2K |
2,625
-2.2% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
Top 22.7% in tier |
| Assets |
$49.4M
+7.1% YoY-1.0% QoQ
|
+$19.5M |
$29.9M
+1.1% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
Top 23.0% in tier |
| Loans |
$17.8M
-5.6% YoY-0.7% QoQ
|
+$2.1M |
$15.8M
-2.4% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
66th in tier |
| Deposits |
$44.5M
+5.6% YoY-1.9% QoQ
|
+$19.0M |
$25.5M
+0.4% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
Top 21.5% in tier |
| ROA |
0.5%
-40.7% YoY+11.4% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
39th in tier |
| NIM |
3.3%
+5.0% YoY+3.1% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
28th in tier |
| Efficiency Ratio |
87.1%
+3.7% YoY-2.1% QoQ
|
+5.7% |
81.4%
-2.4% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
71st in tier |
| Delinquency Rate |
2.0%
+14.6% YoY+24.5% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
Top 20.4% in tier |
| Loan To Share |
40.1%
-10.6% YoY+1.2% QoQ
|
-21.1% |
61.2%
-3.0% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 19.1% in tier |
| AMR |
$16,141
+4.4% YoY-1.3% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
63rd in tier |
| CD Concentration |
8.5%
-5.5% YoY+3.5% QoQ
|
-15.9% |
24.4%
+4.2% YoY
|
16.1%
+11.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.1%
-38.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
421
Asset Growth Rate
growth
Value:
7.07%
Peer Avg: 1.82%
#421 of 2596
Top 16.2% in <100M tier
506
Fee Income Per Member
profitability
Value:
$133.10
Peer Avg: $182.96
#506 of 2596
Top 19.5% in <100M tier
551
Deposit Growth Rate
growth
Value:
5.64%
Peer Avg: 16.80%
#551 of 2596
Top 21.2% in <100M tier
558
Total Deposits
balance_sheet
Value:
$44.47M
Peer Avg: $25.45M
#558 of 2596
Top 21.5% in <100M tier
588
Total Members
engagement
Value:
3,860
Peer Avg: 2,626
#588 of 2596
Top 22.6% in <100M tier
598
Total Assets
balance_sheet
Value:
$49.39M
Peer Avg: $29.86M
#598 of 2596
Top 23.0% in <100M tier
Top Weaknesses (4 metrics)
2478
First Mortgage Concentration (%)
balance_sheet
Value:
57.86%
Peer Avg: 14.49%
#2478 of 2596
Bottom 4.6% in <100M tier
2379
Net Worth Ratio
risk
Value:
8.80%
Peer Avg: 16.43%
#2379 of 2596
Bottom 8.4% in <100M tier
2095
Loan-to-Share Ratio
balance_sheet
Value:
40.11%
Peer Avg: 61.23%
#2095 of 2596
Bottom 19.3% in <100M tier
2068
Total Delinquency Rate (60+ days)
risk
Value:
2.00%
Peer Avg: 1.51%
#2068 of 2596
Bottom 20.4% in <100M tier