BlastPoint's Credit Union Scorecard
PHI BETA SIGMA
Charter #24262 · DC
<100M
2508 CUs in <100M nationally
18 in DC
PHI BETA SIGMA has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Net Interest Margin 1.60% above tier average
- + Strong member growth: 35.9% YoY
- + Member Growth Rate: Top 0.9% in tier
- + Deposit Growth Rate: Top 2.8% in tier
- + Asset Growth Rate: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 7.74% above tier (higher cost structure)
- - Delinquency rate 8.24% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 0.6% in tier
- - Net Charge-Off Rate: Bottom 1.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.1% in tier
- - AMR Growth Rate: Bottom 2.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,000
+35.9% YoY+5.3% QoQ
|
-676 |
2,676
+1.6% YoY
|
11,106
+1.6% YoY
|
33,913
+5.7% YoY
|
52% |
| Assets |
$969,569
+12.0% YoY+2.2% QoQ
|
$-29.2M |
$30.2M
+1.3% YoY
|
$410.2M
+3.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.1% in tier |
| Loans |
$518,919
+6.5% YoY-3.0% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$239.7M
+1.2% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.0% in tier |
| Deposits |
$878,541
+16.0% YoY+3.9% QoQ
|
$-24.9M |
$25.8M
+0.7% YoY
|
$357.7M
+2.6% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.1% in tier |
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| ROA |
0.2%
-155.4% YoY-117.7% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
-0.4%
-168.3% YoY
|
0.4%
-39.2% YoY
|
32% |
| NIM |
5.6%
+0.8% YoY+1.4% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.5%
+3.4% YoY
|
3.8%
+4.1% YoY
|
Top 5.8% in tier |
| Efficiency Ratio |
98.4%
-5.0% YoY-2.4% QoQ
|
+7.7% |
90.6%
+6.5% YoY
|
86.5%
+9.1% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
9.7%
-18.1% YoY+110.6% QoQ
|
+8.2 |
1.5%
+3.8% YoY
|
2.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.5% in tier |
| Loan To Share |
59.1%
-8.1% YoY-6.7% QoQ
|
+0.6% |
58.5%
-3.0% YoY
|
60.4%
-2.3% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$698.7
-17.4% YoY-3.8% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$22,450
-2.0% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.6% in tier |
| CD Concentration |
14.2%
-13.8% YoY-3.7% QoQ
|
-10.1% | 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 (7 metrics)
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
23
Member Growth Rate
growth
Value:
35.87%
Peer Median: -1.37%
#23 of 2508
Top 0.9% in <100M tier
71
Deposit Growth Rate
growth
Value:
15.98%
Peer Median: 0.66%
#71 of 2508
Top 2.8% in <100M tier
125
Asset Growth Rate
growth
Value:
11.99%
Peer Median: 1.30%
#125 of 2508
Top 4.9% in <100M tier
145
Net Interest Margin (NIM)
profitability
Value:
5.61%
Peer Median: 3.83%
#145 of 2508
Top 5.7% in <100M tier
405
Loan Growth Rate
growth
Value:
6.53%
Peer Median: -2.36%
#405 of 2508
Top 16.1% in <100M tier
Top Weaknesses (11 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2494
Average Member Relationship (AMR)
engagement
Value:
$698.73
Peer Median: $13,926
#2494 of 2508
Bottom 0.6% in <100M tier
2483
Net Charge-Off Rate
risk
Value:
10.68%
Peer Median: 0.07%
#2483 of 2508
Bottom 1.0% in <100M tier
2456
Loan-to-Member Ratio (LMR)
engagement
Value:
$259.46
Peer Median: $4,923
#2456 of 2508
Bottom 2.1% in <100M tier
2449
AMR Growth Rate
growth
Value:
-17.36%
Peer Median: 1.27%
#2449 of 2508
Bottom 2.4% in <100M tier
2446
Total Delinquency Rate (60+ days)
risk
Value:
9.75%
Peer Median: 0.65%
#2446 of 2508
Bottom 2.5% in <100M tier
2381
Total Assets
balance_sheet
Value:
$969,569
Peer Median: $21.86M
#2381 of 2508
Bottom 5.1% in <100M tier
2356
Total Deposits
balance_sheet
Value:
$878,541
Peer Median: $18.77M
#2356 of 2508
Bottom 6.1% in <100M tier
2307
Total Loans
balance_sheet
Value:
$518,919
Peer Median: $9.48M
#2307 of 2508
Bottom 8.1% in <100M tier
2103
Net Worth Ratio
risk
Value:
9.86%
Peer Median: 14.28%
#2103 of 2508
Bottom 16.2% in <100M tier