BlastPoint's Credit Union Scorecard
PHI BETA SIGMA
Charter #24262 · DC
2556 CUs in <100M nationally
18 in DC
PHI BETA SIGMA has 7 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.58% above tier average
- + Strong member growth: 37.2% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.8% in tier
- + Deposit Growth Rate: Top 3.1% in tier
- + Asset Growth Rate: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.93% below tier average
- - Efficiency ratio 18.27% above tier (higher cost structure)
- - Delinquency rate 3.07% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 0.7% in tier
- - AMR Growth Rate: Bottom 2.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.1% in tier
- - Total Assets: Bottom 5.0% in tier
- - Net Charge-Off Rate: Bottom 5.1% in tier
- - Total Deposits: Bottom 6.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.9% in tier
- - Total Loans: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,900
+37.2% YoY+5.1% QoQ
|
-715 |
2,615
-1.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$948,945
+13.1% YoY+1.3% QoQ
|
$-29.2M |
$30.1M
+2.1% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.0% in tier |
| Loans |
$535,119
+6.6% YoY+13.5% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.7% in tier |
| Deposits |
$845,626
+15.9% YoY+2.8% QoQ
|
$-24.8M |
$25.7M
+1.4% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.0% in tier |
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| ROA |
-1.3%
-90.3% YoY-256.5% QoQ
|
-1.9% |
0.6%
+10.8% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.6% in tier |
| NIM |
5.5%
-2.9% YoY-1.6% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
Top 6.8% in tier |
| Efficiency Ratio |
100.8%
-51.4% YoY+8.4% QoQ
|
+18.3% |
82.6%
-2.3% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
Top 10.6% in tier |
| Delinquency Rate |
4.6%
-58.3% QoQ
|
+3.1 |
1.6%
-3.1% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
Top 6.9% in tier |
| Loan To Share |
63.3%
-8.0% YoY+10.4% QoQ
|
+2.7% |
60.6%
-3.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$726.7
-18.3% YoY+1.5% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.7% in tier |
| CD Concentration |
14.7%
-13.7% YoY-2.8% QoQ
|
-9.7% | 24.4% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
22
Member Growth Rate
growth
Value:
37.18%
Peer Median: -
#22 of 2556
Top 0.8% in <100M tier
81
Deposit Growth Rate
growth
Value:
15.89%
Peer Median: -
#81 of 2556
Top 3.1% in <100M tier
122
Asset Growth Rate
growth
Value:
13.13%
Peer Median: -
#122 of 2556
Top 4.7% in <100M tier
174
Net Interest Margin (NIM)
profitability
Value:
5.53%
Peer Median: -
#174 of 2556
Top 6.8% in <100M tier
436
Loan Growth Rate
growth
Value:
6.59%
Peer Median: -
#436 of 2556
Top 17.0% in <100M tier
Top Weaknesses (11 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2539
Average Member Relationship (AMR)
engagement
Value:
$726.71
Peer Median: -
#2539 of 2556
Bottom 0.7% in <100M tier
2503
AMR Growth Rate
growth
Value:
-18.29%
Peer Median: -
#2503 of 2556
Bottom 2.1% in <100M tier
2503
Loan-to-Member Ratio (LMR)
engagement
Value:
$281.64
Peer Median: -
#2503 of 2556
Bottom 2.1% in <100M tier
2439
Return on Assets (ROA)
profitability
Value:
-1.31%
Peer Median: -
#2439 of 2556
Bottom 4.6% in <100M tier
2429
Total Assets
balance_sheet
Value:
$948,945
Peer Median: -
#2429 of 2556
Bottom 5.0% in <100M tier
2427
Net Charge-Off Rate
risk
Value:
2.26%
Peer Median: -
#2427 of 2556
Bottom 5.1% in <100M tier
2402
Total Deposits
balance_sheet
Value:
$845,626
Peer Median: -
#2402 of 2556
Bottom 6.1% in <100M tier
2380
Total Delinquency Rate (60+ days)
risk
Value:
4.63%
Peer Median: -
#2380 of 2556
Bottom 6.9% in <100M tier
2360
Total Loans
balance_sheet
Value:
$535,119
Peer Median: -
#2360 of 2556
Bottom 7.7% in <100M tier