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 3.7% in tier
- + Loan-to-Member Ratio (LMR): Top 4.5% in tier
- + Net Worth Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 7 that size in D.C..
- Shares and deposits -1.6% year over year ($279M in shares and deposits).
- Membership: 9,954 members, -1.6% vs a year ago.
- Delinquency rate 0.53%.
- Return on assets 0.82%.
- Efficiency ratio 67.72% vs a 76.73% peer average.
- Loan-to-share ratio 68.11% vs a 71.54% 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 |
9,954
-1.6% YoY-0.3% QoQ
|
-5.2K |
15,168
-2.6% YoY
|
11,304
+3.6% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$338.2M
-0.7% YoY-1.1% QoQ
|
+$106.2M |
$232.0M
+0.7% YoY
|
$419.5M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
80% |
| Loans |
$189.9M
-0.9% YoY+1.9% QoQ
|
+$43.6M |
$146.3M
+0.2% YoY
|
$248.4M
+4.8% YoY
|
$418.6M
+10.1% YoY
|
73% |
| Deposits |
$278.8M
-1.6% YoY-1.5% QoQ
|
+$78.1M |
$200.7M
+0.2% YoY
|
$364.6M
+5.5% YoY
|
$504.8M
+10.3% YoY
|
77% |
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| ROA |
0.8%
-7.4% YoY+13.0% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
1.0%
-30.4% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
2.9%
+10.8% YoY+2.1% QoQ
|
-0.8% |
3.7%
+4.5% YoY
|
3.6%
-0.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.3% in tier |
| Efficiency Ratio |
67.7%
-1.7% YoY-0.6% QoQ
|
-9.0% |
76.7%
-0.8% YoY
|
84.8%
+17.5% YoY
|
83.0%
-5.3% YoY
|
21% |
| Delinquency Rate |
0.5%
+28.5% YoY+43.9% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
2.7%
+26.2% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
68.1%
+0.7% YoY+3.4% QoQ
|
-3.4% |
71.5%
-0.3% YoY
|
60.8%
-1.7% YoY
|
66.4%
-1.4% YoY
|
40% |
| AMR |
$47,080
+0.3% YoY+0.1% QoQ
|
+$22K |
$25,107
+3.2% YoY
|
$22,625
-0.7% YoY
|
$20,028
-0.9% YoY
|
Top 3.8% in tier |
| CD Concentration |
33.9%
-1.1% YoY-2.2% QoQ
|
+9.3% | 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 (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)