BlastPoint's Credit Union Scorecard
GEORGETOWN UNIVERSITY ALUMNI AND ST
Charter #23979 · DC
GEORGETOWN UNIVERSITY ALUMNI AND ST has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.27% above tier average
- + Net Interest Margin 0.84% above tier average
- + Strong member growth: 25.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.54% above tier (higher cost structure)
- - Delinquency rate 0.57% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - AMR Growth Rate: Bottom 1.0% in tier
- - Deposit Growth Rate: Bottom 2.5% in tier
- - Asset Growth Rate: Bottom 2.7% in tier
- - Average Member Relationship (AMR): Bottom 6.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,255
+25.6% YoY+1.9% QoQ
|
+1.6K |
2,615
-1.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$13.3M
-12.2% YoY+4.7% QoQ
|
$-16.9M |
$30.1M
+2.1% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$6.7M
-6.9% YoY-1.4% QoQ
|
$-9.1M |
$15.8M
-1.3% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$11.5M
-16.1% YoY+4.6% QoQ
|
$-14.2M |
$25.7M
+1.4% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
0.9%
+121.3% YoY-15.0% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
60% |
| NIM |
4.8%
+4.8% YoY+0.2% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
81% |
| Efficiency Ratio |
84.1%
-1.7% YoY+1.0% QoQ
|
+1.5% |
82.6%
-2.3% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
2.1%
-12.7% YoY+21.8% QoQ
|
+0.6 |
1.6%
-3.1% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
57.8%
+11.0% YoY-5.7% QoQ
|
-2.8% |
60.6%
-3.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$4,272
-30.7% YoY+0.4% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.7% in tier |
| CD Concentration |
5.7%
+75.5% YoY+40.5% QoQ
|
-18.7% | 24.4% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.8% | 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)