BlastPoint's Credit Union Scorecard
EP
Charter #262 · DC
EP has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 6.4% in tier
- + Average Member Relationship (AMR): Top 7.6% in tier
- + Total Deposits: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Efficiency ratio 12.38% above tier (higher cost structure)
- - Member decline: -5.9% YoY
- - Net Worth Ratio: Bottom 5.6% in tier
- - First Mortgage Concentration (%): Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,210
-5.9% YoY-1.3% QoQ
|
+1.6K |
2,625
-2.2% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$72.3M
-1.8% YoY-2.2% QoQ
|
+$42.5M |
$29.9M
+1.1% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
Top 11.1% in tier |
| Loans |
$39.5M
-6.7% YoY-2.4% QoQ
|
+$23.7M |
$15.8M
-2.4% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
Top 10.8% in tier |
| Deposits |
$67.0M
+0.4% YoY-2.9% QoQ
|
+$41.5M |
$25.5M
+0.4% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
Top 8.2% in tier |
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| ROA |
0.1%
-37.3% YoY+1.9% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
3.1%
+1.8% YoY+0.8% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
21% |
| Efficiency Ratio |
93.8%
+2.3% YoY-0.9% QoQ
|
+12.4% |
81.4%
-2.4% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
82% |
| Delinquency Rate |
0.9%
+70.2% YoY-8.0% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
58% |
| Loan To Share |
59.0%
-7.1% YoY+0.5% QoQ
|
-2.3% |
61.2%
-3.0% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
47% |
| AMR |
$25,297
+3.7% YoY-1.5% QoQ
|
+$11K |
$14,627
-2.7% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
Top 7.6% in tier |
| CD Concentration |
15.6%
+38.9% YoY+1.2% QoQ
|
-8.8% |
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)