BlastPoint's Credit Union Scorecard
LIBRARY OF CONGRESS
Charter #266 · DC
LIBRARY OF CONGRESS has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 44.5% in tier
- + Relationship Depth Leader: Top 69.1% in tier
- + ROA 0.08% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 3.2% in tier
- + Loan-to-Member Ratio (LMR): Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 4.4% in tier
- - Membership Headwinds: Bottom 18.5% in tier
- - Institutional Decline: Bottom 18.7% in tier
- - Credit Quality Pressure: Bottom 26.4% in tier
- - Member decline: -2.2% YoY
- - Net Interest Margin (NIM): Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,083
-2.2% YoY-0.3% QoQ
|
-5.5K |
15,628
-3.4% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$339.9M
+3.8% YoY-0.2% QoQ
|
+$108.6M |
$231.3M
-0.0% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
80% |
| Loans |
$190.7M
-3.0% YoY-0.5% QoQ
|
+$42.9M |
$147.8M
-1.4% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
73% |
| Deposits |
$281.9M
+3.6% YoY-0.5% QoQ
|
+$81.6M |
$200.3M
-0.0% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
78% |
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| ROA |
0.9%
+51.5% YoY-1.9% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
2.7%
+20.7% YoY+2.9% QoQ
|
-0.9% |
3.6%
+6.9% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.0% in tier |
| Efficiency Ratio |
66.9%
-14.6% YoY-2.8% QoQ
|
-10.3% |
77.3%
-3.0% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.2%
+15.3% YoY-48.0% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
Bottom 12.2% in tier |
| Loan To Share |
67.6%
-6.4% YoY+0.0% QoQ
|
-5.1% |
72.7%
-1.5% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
35% |
| AMR |
$46,867
+3.1% YoY-0.2% QoQ
|
+$23K |
$24,363
+2.9% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
Top 3.3% in tier |
| CD Concentration |
35.4%
+4.7% YoY+3.2% QoQ
|
+11.0% |
24.4%
+4.2% YoY
|
16.1%
+11.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.1%
-38.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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.
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)