BlastPoint's Credit Union Scorecard
EP
Charter #262 · DC
EP has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 7.4% in tier
- + Fee Income Per Member: Top 8.4% in tier
- + Total Deposits: Top 8.7% in tier
- + Loan-to-Member Ratio (LMR): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.07% below tier average
- - Member decline: -5.3% YoY
- - Net Worth Ratio: Bottom 6.7% in tier
- - First Mortgage Concentration (%): Bottom 7.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 17 that size in D.C..
- Shares and deposits -4.2% year over year ($66.1M in shares and deposits).
- Membership: 4,040 members, -5.3% vs a year ago.
- Delinquency rate 1.20%.
- Return on assets 0.42%.
- Efficiency ratio 86.14% vs a 88.77% peer average.
- Loan-to-share ratio 59.03% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,040
-5.3% YoY-1.1% QoQ
|
+1.5K |
2,585
-1.7% YoY
|
11,304
+3.6% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$71.5M
-3.4% YoY-4.1% QoQ
|
+$41.2M |
$30.3M
+1.5% YoY
|
$419.5M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
Top 12.0% in tier |
| Loans |
$39.0M
-3.7% YoY-0.8% QoQ
|
+$23.6M |
$15.5M
-1.7% YoY
|
$248.4M
+4.8% YoY
|
$418.6M
+10.1% YoY
|
Top 10.8% in tier |
| Deposits |
$66.1M
-4.2% YoY-3.3% QoQ
|
+$40.3M |
$25.8M
+1.1% YoY
|
$364.6M
+5.5% YoY
|
$504.8M
+10.3% YoY
|
Top 8.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
+281.0% YoY-10.4% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.0%
-30.4% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
3.6%
+16.6% YoY+1.3% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.6%
-0.1% YoY
|
3.8%
+2.3% YoY
|
37% |
| Efficiency Ratio |
86.1%
-8.9% YoY-1.6% QoQ
|
-2.6% |
88.8%
-6.9% YoY
|
84.8%
+17.5% YoY
|
83.0%
-5.3% YoY
|
63% |
| Delinquency Rate |
1.2%
+21.9% YoY-5.8% QoQ
|
-0.3 |
1.5%
+2.1% YoY
|
2.7%
+26.2% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
59.0%
+0.6% YoY+2.6% QoQ
|
+0.1% |
58.9%
-3.1% YoY
|
60.8%
-1.7% YoY
|
66.4%
-1.4% YoY
|
50% |
| AMR |
$26,014
+1.3% YoY-1.2% QoQ
|
+$11K |
$14,963
-6.8% YoY
|
$22,625
-0.7% YoY
|
$20,028
-0.9% YoY
|
Top 7.4% in tier |
| CD Concentration |
12.6%
-18.5% YoY+3.4% QoQ
|
-12.0% | 24.6% | 15.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 0.2% | 7.7% | 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)