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 7.0% in tier
- + Average Member Relationship (AMR): Top 7.7% in tier
- + Total Deposits: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
- - Efficiency ratio 8.90% above tier (higher cost structure)
- - Member decline: -4.9% YoY
- - First Mortgage Concentration (%): Bottom 7.0% in tier
- - Net Worth Ratio: Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,156
-4.9% YoY-1.3% QoQ
|
+1.5K |
2,615
-1.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$71.9M
+1.8% YoY-0.6% QoQ
|
+$41.8M |
$30.1M
+2.1% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
Top 11.6% in tier |
| Loans |
$39.2M
-5.6% YoY-0.7% QoQ
|
+$23.4M |
$15.8M
-1.3% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
Top 11.0% in tier |
| Deposits |
$66.2M
+0.5% YoY-1.2% QoQ
|
+$40.5M |
$25.7M
+1.4% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Top 8.8% in tier |
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| ROA |
0.2%
-18.6% YoY+58.3% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
3.3%
+2.9% YoY+5.4% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
91.5%
+1.0% YoY-2.5% QoQ
|
+8.9% |
82.6%
-2.3% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
1.4%
+50.7% YoY+51.0% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
59.3%
-6.1% YoY+0.5% QoQ
|
-1.4% |
60.6%
-3.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$25,357
+3.2% YoY+0.2% QoQ
|
+$11K |
$14,783
-1.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
Top 7.7% in tier |
| CD Concentration |
13.5%
+4.2% YoY-13.4% QoQ
|
-10.9% | 24.4% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.8% | 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)