BlastPoint's Credit Union Scorecard
LIBRARY OF CONGRESS
Charter #266 · DC
LIBRARY OF CONGRESS has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 90.3% in tier
- + ROA 0.16% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 3.5% in tier
- + Loan-to-Member Ratio (LMR): Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 55.0% in tier
- - Institutional Decline: Bottom 56.9% in tier
- - Credit Quality Pressure: Bottom 58.7% in tier
- - Membership Headwinds: Bottom 62.0% in tier
- - Liquidity Overhang: Bottom 81.3% in tier
- - Member decline: -2.0% YoY
- - Net Interest Margin (NIM): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,017
-2.0% YoY-0.7% QoQ
|
-5.4K |
15,437
-2.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
31% |
| Assets |
$339.8M
+2.4% YoY-0.0% QoQ
|
+$107.9M |
$231.9M
+1.3% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$188.8M
-3.2% YoY-1.0% QoQ
|
+$41.4M |
$147.3M
-0.1% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$281.9M
+2.0% YoY+0.0% QoQ
|
+$81.1M |
$200.8M
+0.8% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.9%
+47.8% YoY+6.7% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
2.7%
+19.4% YoY+1.1% QoQ
|
-0.9% |
3.6%
+6.7% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.4% in tier |
| Efficiency Ratio |
64.5%
-13.0% YoY-3.7% QoQ
|
-12.6% |
77.0%
-3.1% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.7% in tier |
| Delinquency Rate |
0.4%
+63.7% YoY+92.1% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
67.0%
-5.1% YoY-1.0% QoQ
|
-5.3% |
72.2%
-1.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$46,989
+1.9% YoY+0.3% QoQ
|
+$22K |
$24,676
+3.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
Top 3.6% in tier |
| CD Concentration |
35.5%
+5.7% YoY+0.5% QoQ
|
+11.1% | 24.4% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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.
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)