BlastPoint's Credit Union Scorecard
JOHN WESLEY AME ZION CHURCH
Charter #22323 · DC
<100M
2508 CUs in <100M nationally
18 in DC
JOHN WESLEY AME ZION CHURCH has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 8.66% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.4% in tier
- - Total Deposits: Bottom 0.5% in tier
- - Total Loans: Bottom 0.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.6% in tier
- - Average Member Relationship (AMR): Bottom 0.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
102
+2.0% YoY+2.0% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
11,106
+1.6% YoY
|
33,913
+5.7% YoY
|
Bottom 1.4% in tier |
| Assets |
$81,067
-14.1% YoY+9.1% QoQ
|
$-30.1M |
$30.2M
+1.3% YoY
|
$410.2M
+3.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.4% in tier |
| Loans |
$1,319
-24.0% YoY-52.8% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$239.7M
+1.2% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.5% in tier |
| Deposits |
$71,647
-15.8% YoY+10.4% QoQ
|
$-25.7M |
$25.8M
+0.7% YoY
|
$357.7M
+2.6% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.5% in tier |
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| ROA |
0.0%
-96.8% YoY-93.9% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
-0.4%
-168.3% YoY
|
0.4%
-39.2% YoY
|
22% |
| NIM |
2.7%
+1271.2% YoY-7.0% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.5%
+3.4% YoY
|
3.8%
+4.1% YoY
|
Bottom 11.4% in tier |
| Efficiency Ratio |
99.3%
+28.7% YoY+11.1% QoQ
|
+8.7% |
90.6%
+6.5% YoY
|
86.5%
+9.1% YoY
|
84.6%
+2.8% YoY
|
83% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
2.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
1.8%
-9.8% YoY-57.2% QoQ
|
-56.7% |
58.5%
-3.0% YoY
|
60.4%
-2.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.6% in tier |
| AMR |
$715.4
-17.6% YoY+5.7% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$22,450
-2.0% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.6% in tier |
| CD Concentration | 0.0% | -24.3% | 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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
429
Member Growth Rate
growth
Value:
2.00%
Peer Median: -1.37%
#429 of 2508
Top 17.1% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (16 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2499
Total Assets
balance_sheet
Value:
$81,067
Peer Median: $21.86M
#2499 of 2508
Bottom 0.4% in <100M tier
2496
Total Deposits
balance_sheet
Value:
$71,647
Peer Median: $18.77M
#2496 of 2508
Bottom 0.5% in <100M tier
2496
Total Loans
balance_sheet
Value:
$1,319
Peer Median: $9.48M
#2496 of 2508
Bottom 0.5% in <100M tier
2495
Loan-to-Member Ratio (LMR)
engagement
Value:
$12.93
Peer Median: $4,923
#2495 of 2508
Bottom 0.6% in <100M tier
2493
Average Member Relationship (AMR)
engagement
Value:
$715.35
Peer Median: $13,926
#2493 of 2508
Bottom 0.6% in <100M tier
2492
Loan-to-Share Ratio
balance_sheet
Value:
1.84%
Peer Median: 58.72%
#2492 of 2508
Bottom 0.7% in <100M tier
2473
Total Members
engagement
Value:
102
Peer Median: 1,918
#2473 of 2508
Bottom 1.4% in <100M tier
2454
AMR Growth Rate
growth
Value:
-17.60%
Peer Median: 1.27%
#2454 of 2508
Bottom 2.2% in <100M tier
2453
Asset Growth Rate
growth
Value:
-14.07%
Peer Median: 1.30%
#2453 of 2508
Bottom 2.2% in <100M tier