BlastPoint's Credit Union Scorecard
LIBRARY OF CONGRESS
Charter #266 · DC
LIBRARY OF CONGRESS has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 3.6% in tier
- + Loan-to-Member Ratio (LMR): Top 4.6% in tier
- + Net Worth Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Net Interest Margin (NIM): Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,983
-1.5% YoY-0.3% QoQ
|
-5.2K |
15,145
-2.5% YoY
|
11,106
+1.6% YoY
|
33,913
+5.7% YoY
|
32% |
| Assets |
$341.8M
+0.5% YoY+0.6% QoQ
|
+$110.1M |
$231.7M
+0.8% YoY
|
$410.2M
+3.1% YoY
|
$578.3M
+9.0% YoY
|
80% |
| Loans |
$186.4M
-2.3% YoY-1.3% QoQ
|
+$42.2M |
$144.1M
+0.2% YoY
|
$239.7M
+1.2% YoY
|
$402.4M
+8.7% YoY
|
72% |
| Deposits |
$283.0M
-0.3% YoY+0.4% QoQ
|
+$81.9M |
$201.1M
+0.4% YoY
|
$357.7M
+2.6% YoY
|
$494.3M
+9.1% YoY
|
78% |
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| ROA |
0.7%
-15.3% YoY-21.8% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
-0.4%
-168.3% YoY
|
0.4%
-39.2% YoY
|
53% |
| NIM |
2.8%
+10.7% YoY+4.3% QoQ
|
-0.8% |
3.6%
+4.6% YoY
|
3.5%
+3.4% YoY
|
3.8%
+4.1% YoY
|
Bottom 9.5% in tier |
| Efficiency Ratio |
68.2%
-2.8% YoY+5.8% QoQ
|
-9.9% |
78.0%
-1.7% YoY
|
86.5%
+9.1% YoY
|
84.6%
+2.8% YoY
|
21% |
| Delinquency Rate |
0.4%
-1.1% YoY-10.7% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
2.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
28% |
| Loan To Share |
65.9%
-2.1% YoY-1.6% QoQ
|
-4.6% |
70.4%
-0.4% YoY
|
60.4%
-2.3% YoY
|
65.6%
-1.4% YoY
|
38% |
| AMR |
$47,018
+0.4% YoY+0.1% QoQ
|
+$22K |
$24,918
+2.7% YoY
|
$22,450
-2.0% YoY
|
$19,920
+1.6% YoY
|
Top 3.6% in tier |
| CD Concentration |
34.7%
+2.8% YoY-2.5% QoQ
|
+10.4% | 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 (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)