BlastPoint's Credit Union Scorecard
EP
Charter #262 · DC
EP has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Average Member Relationship (AMR): Top 6.6% in tier
- + Fee Income Per Member: Top 6.9% in tier
- + Total Deposits: Top 7.6% in tier
- + Loan-to-Member Ratio (LMR): Top 9.2% in tier
- + Total Loans: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.3% YoY
- - Net Worth Ratio: Bottom 7.4% in tier
- - First Mortgage Concentration (%): Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,087
-5.3% YoY-1.7% QoQ
|
+1.4K |
2,676
+1.6% YoY
|
11,106
+1.6% YoY
|
33,913
+5.7% YoY
|
80% |
| Assets |
$74.6M
+0.4% YoY+3.6% QoQ
|
+$44.4M |
$30.2M
+1.3% YoY
|
$410.2M
+3.1% YoY
|
$578.3M
+9.0% YoY
|
Top 10.2% in tier |
| Loans |
$39.3M
-4.0% YoY+0.3% QoQ
|
+$24.0M |
$15.3M
-2.0% YoY
|
$239.7M
+1.2% YoY
|
$402.4M
+8.7% YoY
|
Top 10.0% in tier |
| Deposits |
$68.3M
-1.5% YoY+3.3% QoQ
|
+$42.5M |
$25.8M
+0.7% YoY
|
$357.7M
+2.6% YoY
|
$494.3M
+9.1% YoY
|
Top 7.6% in tier |
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| ROA |
0.5%
+152.6% YoY+163.6% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
-0.4%
-168.3% YoY
|
0.4%
-39.2% YoY
|
43% |
| NIM |
3.5%
+11.6% YoY+8.4% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.5%
+3.4% YoY
|
3.8%
+4.1% YoY
|
37% |
| Efficiency Ratio |
87.5%
-6.9% YoY-4.3% QoQ
|
-3.1% |
90.6%
+6.5% YoY
|
86.5%
+9.1% YoY
|
84.6%
+2.8% YoY
|
64% |
| Delinquency Rate |
1.3%
+21.0% YoY-6.8% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
2.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
70% |
| Loan To Share |
57.5%
-2.5% YoY-2.9% QoQ
|
-1.0% |
58.5%
-3.0% YoY
|
60.4%
-2.3% YoY
|
65.6%
-1.4% YoY
|
49% |
| AMR |
$26,337
+3.1% YoY+3.9% QoQ
|
+$11K |
$14,884
-1.7% YoY
|
$22,450
-2.0% YoY
|
$19,920
+1.6% YoY
|
Top 6.7% in tier |
| CD Concentration |
12.1%
-18.5% YoY-10.0% QoQ
|
-12.1% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)