BlastPoint's Credit Union Scorecard
PHI BETA SIGMA
Charter #24262 · DC
2596 CUs in <100M nationally
18 in DC
PHI BETA SIGMA has 9 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 1.69% above tier average
- + Strong member growth: 38.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.9% in tier
- + Deposit Growth Rate: Top 6.7% in tier
- + Asset Growth Rate: Top 8.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 11.58% above tier (higher cost structure)
- - Delinquency rate 9.59% 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 1.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.2% in tier
- - Total Assets: Bottom 5.2% in tier
- - Total Deposits: Bottom 6.0% in tier
- - Total Loans: Bottom 7.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,807
+38.4% YoY+15.2% QoQ
|
-818 |
2,625
-2.2% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
47% |
| Assets |
$937,176
+10.0% YoY+1.4% QoQ
|
$-28.9M |
$29.9M
+1.1% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.2% in tier |
| Loans |
$471,423
-11.2% YoY-2.1% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.3% in tier |
| Deposits |
$822,200
+11.4% YoY+2.2% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.9% in tier |
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| ROA |
0.8%
-106.1% YoY-65.9% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
54% |
| NIM |
5.6%
+8.1% YoY-0.2% QoQ
|
+1.7% |
3.9%
+3.8% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
Top 6.4% in tier |
| Efficiency Ratio |
93.0%
-61.1% YoY+12.0% QoQ
|
+11.6% |
81.4%
-2.4% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
81% |
| Delinquency Rate |
11.1%
+329.7% YoY+80.0% QoQ
|
+9.6 |
1.5%
-2.0% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
Top 2.0% in tier |
| Loan To Share |
57.3%
-20.3% YoY-4.3% QoQ
|
-3.9% |
61.2%
-3.0% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$715.9
-26.3% YoY-12.7% QoQ
|
$-14K |
$14,627
-2.7% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.6% in tier |
| CD Concentration |
15.2%
-10.3% YoY-2.2% QoQ
|
-9.2% |
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)
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
25
Member Growth Rate
growth
Value:
38.36%
Peer Avg: -
#25 of 2596
Top 0.9% in <100M tier
166
Net Interest Margin (NIM)
profitability
Value:
5.62%
Peer Avg: -
#166 of 2596
Top 6.4% in <100M tier
174
Deposit Growth Rate
growth
Value:
11.44%
Peer Avg: -
#174 of 2596
Top 6.7% in <100M tier
221
Asset Growth Rate
growth
Value:
9.99%
Peer Avg: -
#221 of 2596
Top 8.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (10 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2580
Average Member Relationship (AMR)
engagement
Value:
$715.90
Peer Avg: -
#2580 of 2596
Bottom 0.7% in <100M tier
2564
AMR Growth Rate
growth
Value:
-26.30%
Peer Avg: -
#2564 of 2596
Bottom 1.3% in <100M tier
2544
Total Delinquency Rate (60+ days)
risk
Value:
11.09%
Peer Avg: -
#2544 of 2596
Bottom 2.0% in <100M tier
2540
Loan-to-Member Ratio (LMR)
engagement
Value:
$260.89
Peer Avg: -
#2540 of 2596
Bottom 2.2% in <100M tier
2461
Total Assets
balance_sheet
Value:
$937,176
Peer Avg: -
#2461 of 2596
Bottom 5.2% in <100M tier
2442
Total Deposits
balance_sheet
Value:
$822,200
Peer Avg: -
#2442 of 2596
Bottom 6.0% in <100M tier
2406
Total Loans
balance_sheet
Value:
$471,423
Peer Avg: -
#2406 of 2596
Bottom 7.4% in <100M tier
2127
Loan Growth Rate
growth
Value:
-11.20%
Peer Avg: -
#2127 of 2596
Bottom 18.1% in <100M tier
2106
Efficiency Ratio
profitability
Value:
92.98%
Peer Avg: -
#2106 of 2596
Bottom 18.9% in <100M tier