BlastPoint's Credit Union Scorecard
GEORGETOWN UNIVERSITY ALUMNI AND ST
Charter #23979 · DC
GEORGETOWN UNIVERSITY ALUMNI AND ST has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.57% above tier average
- + Strong member growth: 11.3% YoY
- + Member Growth Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Efficiency ratio 9.69% above tier (higher cost structure)
- - Delinquency rate 0.51% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Charge-Off Rate: Bottom 6.3% in tier
- - Average Member Relationship (AMR): Bottom 7.2% in tier
- - AMR Growth Rate: Bottom 7.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,370
+11.3% YoY+2.7% QoQ
|
+1.7K |
2,676
+1.6% YoY
|
11,106
+1.6% YoY
|
33,913
+5.7% YoY
|
82% |
| Assets |
$14.1M
+3.4% YoY+6.0% QoQ
|
$-16.1M |
$30.2M
+1.3% YoY
|
$410.2M
+3.1% YoY
|
$578.3M
+9.0% YoY
|
39% |
| Loans |
$6.8M
-2.1% YoY+2.8% QoQ
|
$-8.4M |
$15.3M
-2.0% YoY
|
$239.7M
+1.2% YoY
|
$402.4M
+8.7% YoY
|
42% |
| Deposits |
$12.3M
+1.8% YoY+6.6% QoQ
|
$-13.5M |
$25.8M
+0.7% YoY
|
$357.7M
+2.6% YoY
|
$494.3M
+9.1% YoY
|
40% |
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| ROA |
-0.2%
-108.0% YoY-121.2% QoQ
|
-0.3% |
0.1%
-77.6% YoY
|
-0.4%
-168.3% YoY
|
0.4%
-39.2% YoY
|
18% |
| NIM |
4.6%
+12.8% YoY-4.4% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.5%
+3.4% YoY
|
3.8%
+4.1% YoY
|
79% |
| Efficiency Ratio |
100.3%
+79.5% YoY+19.3% QoQ
|
+9.7% |
90.6%
+6.5% YoY
|
86.5%
+9.1% YoY
|
84.6%
+2.8% YoY
|
85% |
| Delinquency Rate |
2.0%
-12.8% YoY-4.8% QoQ
|
+0.5 |
1.5%
+3.8% YoY
|
2.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
81% |
| Loan To Share |
55.8%
-3.9% YoY-3.6% QoQ
|
-2.7% |
58.5%
-3.0% YoY
|
60.4%
-2.3% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$4,374
-9.9% YoY+2.4% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$22,450
-2.0% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.1% in tier |
| CD Concentration |
8.4%
+126.5% YoY+47.3% QoQ
|
-15.9% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)