BlastPoint's Credit Union Scorecard
GEORGETOWN UNIVERSITY ALUMNI AND ST
Charter #23979 · DC
GEORGETOWN UNIVERSITY ALUMNI AND ST has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.37% above tier average
- + Net Interest Margin 0.85% above tier average
- + Strong member growth: 29.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.84% above tier (higher cost structure)
- - Delinquency rate 0.23% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - AMR Growth Rate: Bottom 1.0% in tier
- - Deposit Growth Rate: Bottom 2.7% in tier
- - Asset Growth Rate: Bottom 3.2% in tier
- - Average Member Relationship (AMR): Bottom 7.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.6% in tier
- - Fee Income Per Member: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,174
+29.6% YoY+4.8% QoQ
|
+1.5K |
2,625
-2.2% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$12.7M
-12.6% YoY-3.3% QoQ
|
$-17.2M |
$29.9M
+1.1% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$6.8M
-7.6% YoY-1.1% QoQ
|
$-9.0M |
$15.8M
-2.4% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$11.0M
-15.7% YoY-4.2% QoQ
|
$-14.4M |
$25.5M
+0.4% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
39% |
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| ROA |
1.0%
+24.8% YoY-43.5% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
64% |
| NIM |
4.8%
+0.9% YoY+3.2% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
81% |
| Efficiency Ratio |
83.2%
+10.5% YoY+20.0% QoQ
|
+1.8% |
81.4%
-2.4% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
1.7%
-45.8% YoY-15.8% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
61.3%
+9.5% YoY+3.3% QoQ
|
+0.1% |
61.2%
-3.0% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
50% |
| AMR |
$4,256
-32.7% YoY-7.5% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.0% in tier |
| CD Concentration |
4.1%
+18.9% YoY+4.4% QoQ
|
-20.3% |
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)
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)