BlastPoint's Credit Union Scorecard
JOHN WESLEY AME ZION CHURCH
Charter #22323 · DC
2556 CUs in <100M nationally
18 in DC
JOHN WESLEY AME ZION CHURCH has 5 strengths but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.5% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency ratio 6.84% above tier (higher cost structure)
- - Delinquency rate 15.55% above tier average
- - Member decline: -7.4% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.2% in tier
- - Total Deposits: Bottom 0.5% in tier
- - Total Loans: Bottom 0.6% in tier
- - Average Member Relationship (AMR): Bottom 0.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.7% in tier
- - Loan-to-Share Ratio: Bottom 0.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.3% in tier
- - Total Members: Bottom 1.3% in tier
- - Asset Growth Rate: Bottom 1.9% in tier
- - Deposit Growth Rate: Bottom 2.2% in tier
- - AMR Growth Rate: Bottom 8.6% in tier
- - Member Growth Rate: 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 |
100
-7.4% YoY0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
Bottom 1.1% in tier |
| Assets |
$74,317
-14.8% YoY-18.9% QoQ
|
$-30.1M |
$30.1M
+2.1% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.2% in tier |
| Loans |
$2,794
+65.4% YoY+12.2% QoQ
|
$-15.8M |
$15.8M
-1.3% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.5% in tier |
| Deposits |
$64,902
-16.9% YoY-21.5% QoQ
|
$-25.6M |
$25.7M
+1.4% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.5% in tier |
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| ROA |
0.4%
-15.8% YoY-368.6% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
2.9%
-11.8% YoY+83.9% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
89.4%
+4.5% YoY-15.5% QoQ
|
+6.8% |
82.6%
-2.3% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate | 17.1% | +15.6 |
1.6%
-3.1% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
Top 1.3% in tier |
| Loan To Share |
4.3%
+99.2% YoY+43.0% QoQ
|
-56.3% |
60.6%
-3.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.8% in tier |
| AMR |
$677.0
-8.4% YoY-20.5% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.5% 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 (5 metrics)
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
14
Loan Growth Rate
growth
Value:
65.42%
Peer Median: -
#14 of 2556
Top 0.5% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (15 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2551
Total Assets
balance_sheet
Value:
$74,317
Peer Median: -
#2551 of 2556
Bottom 0.2% in <100M tier
2544
Total Deposits
balance_sheet
Value:
$64,902
Peer Median: -
#2544 of 2556
Bottom 0.5% in <100M tier
2542
Total Loans
balance_sheet
Value:
$2,794
Peer Median: -
#2542 of 2556
Bottom 0.6% in <100M tier
2542
Average Member Relationship (AMR)
engagement
Value:
$676.96
Peer Median: -
#2542 of 2556
Bottom 0.6% in <100M tier
2539
Loan-to-Member Ratio (LMR)
engagement
Value:
$27.94
Peer Median: -
#2539 of 2556
Bottom 0.7% in <100M tier
2533
Loan-to-Share Ratio
balance_sheet
Value:
4.30%
Peer Median: -
#2533 of 2556
Bottom 0.9% in <100M tier
2525
Total Delinquency Rate (60+ days)
risk
Value:
17.11%
Peer Median: -
#2525 of 2556
Bottom 1.3% in <100M tier
2525
Total Members
engagement
Value:
100
Peer Median: -
#2525 of 2556
Bottom 1.3% in <100M tier
2509
Asset Growth Rate
growth
Value:
-14.80%
Peer Median: -
#2509 of 2556
Bottom 1.9% in <100M tier