BlastPoint's Credit Union Scorecard
JOHN WESLEY AME ZION CHURCH
Charter #22323 · DC
2596 CUs in <100M nationally
18 in DC
JOHN WESLEY AME ZION CHURCH has 5 strengths but faces 16 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
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.83% below tier average
- - Efficiency ratio 24.39% above tier (higher cost structure)
- - Member decline: -8.3% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.4% in tier
- - Total Deposits: Bottom 0.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.7% in tier
- - Total Loans: Bottom 0.7% in tier
- - Loan-to-Share Ratio: Bottom 0.8% in tier
- - Average Member Relationship (AMR): Bottom 0.9% in tier
- - Total Members: Bottom 1.3% in tier
- - Net Interest Margin (NIM): Bottom 2.0% in tier
- - Loan Growth Rate: Bottom 4.7% in tier
- - Asset Growth Rate: Bottom 8.1% in tier
- - Member Growth Rate: Bottom 8.2% in tier
- - Deposit Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
100
-8.3% YoY-9.1% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 1.2% in tier |
| Assets |
$91,668
-7.7% YoY-9.9% QoQ
|
$-29.8M |
$29.9M
+1.1% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.4% in tier |
| Loans |
$2,490
-22.7% YoY+72.1% QoQ
|
$-15.8M |
$15.8M
-2.4% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.7% in tier |
| Deposits |
$82,697
-8.8% YoY-10.3% QoQ
|
$-25.4M |
$25.5M
+0.4% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.6% in tier |
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| ROA |
-0.2%
+2.3% YoY-114.4% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.1% in tier |
| NIM |
1.6%
-38.7% YoY-29.9% QoQ
|
-2.3% |
3.9%
+3.8% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.0% in tier |
| Efficiency Ratio |
105.8%
+0.1% YoY+46.8% QoQ
|
+24.4% |
81.4%
-2.4% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
Top 8.0% 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 |
3.0%
-15.3% YoY+91.8% QoQ
|
-58.2% |
61.2%
-3.0% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.7% in tier |
| AMR |
$851.9
-1.1% YoY+0.1% QoQ
|
$-14K |
$14,627
-2.7% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.8% 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 (5 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
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (17 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2586
Total Assets
balance_sheet
Value:
$91,668
Peer Avg: -
#2586 of 2596
Bottom 0.4% in <100M tier
2580
Total Deposits
balance_sheet
Value:
$82,697
Peer Avg: -
#2580 of 2596
Bottom 0.7% in <100M tier
2578
Loan-to-Member Ratio (LMR)
engagement
Value:
$24.90
Peer Avg: -
#2578 of 2596
Bottom 0.7% in <100M tier
2578
Total Loans
balance_sheet
Value:
$2,490
Peer Avg: -
#2578 of 2596
Bottom 0.7% in <100M tier
2575
Loan-to-Share Ratio
balance_sheet
Value:
3.01%
Peer Avg: -
#2575 of 2596
Bottom 0.8% in <100M tier
2574
Average Member Relationship (AMR)
engagement
Value:
$851.87
Peer Avg: -
#2574 of 2596
Bottom 0.9% in <100M tier
2562
Total Members
engagement
Value:
100
Peer Avg: -
#2562 of 2596
Bottom 1.3% in <100M tier
2544
Net Interest Margin (NIM)
profitability
Value:
1.59%
Peer Avg: -
#2544 of 2596
Bottom 2.0% in <100M tier
2476
Loan Growth Rate
growth
Value:
-22.74%
Peer Avg: -
#2476 of 2596
Bottom 4.7% in <100M tier