LIBRARY OF CONGRESS
Charter #266 | DC
100M-500M
(1077 CUs)
Micro
($0-$500M)
7 100M-500M in DC
LIBRARY OF CONGRESS has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 10.3% in tier
- + Wallet Share Momentum: Top 25.4% 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
- - Liquidity Overhang: Bottom 7.0% 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
|
30th in tier |
| 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
|
Top 19.9% in tier |
| 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
|
73rd in tier |
| 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
|
Top 22.1% in tier |
| 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
|
57th in tier |
| 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
|
Bottom 18.4% in tier |
| 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
|
35th in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.1%
-38.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growth
#284 of 1006 • Top 10.3% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
3.09%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$4.7K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#700 of 1006 • Top 25.4% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
3.09%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (5)
Stagnation Risk
risk
#73 of 550 • Bottom 4.4% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.86%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-2.20%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$46.9K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
35.39%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#110 of 552 • Bottom 7.0% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
15.99%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
67.64%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank improving
Membership Headwinds
decline
#305 of 550 • Bottom 18.5% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-2.20%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Institutional Decline
decline
#148 of 256 • Bottom 18.7% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$339.87M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-2.20%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-3.00%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#654 of 736 • Bottom 26.4% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.03% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
36
Average Member Relationship (AMR)
engagement
Value:
$46,867
Peer Avg: $24,363
#36 of 1077
Top 3.2% in 100M-500M tier
47
Loan-to-Member Ratio (LMR)
engagement
Value:
$18,910
Peer Avg: $10,245
#47 of 1077
Top 4.3% in 100M-500M tier
119
Net Worth Ratio
risk
Value:
15.99%
Peer Avg: 12.15%
#119 of 1077
Top 11.0% in 100M-500M tier
132
Total Delinquency Rate (60+ days)
risk
Value:
0.21%
Peer Avg: 0.86%
#132 of 1077
Top 12.2% in 100M-500M tier
199
Efficiency Ratio
profitability
Value:
66.94%
Peer Avg: 77.28%
#199 of 1077
Top 18.4% in 100M-500M tier
214
Total Assets
balance_sheet
Value:
$339.87M
Peer Avg: $231.30M
#214 of 1077
Top 19.8% in 100M-500M tier
238
Total Deposits
balance_sheet
Value:
$281.89M
Peer Avg: $200.29M
#238 of 1077
Top 22.0% in 100M-500M tier
Top Weaknesses (5 metrics)
980
Net Interest Margin (NIM)
profitability
Value:
2.69%
Peer Avg: 3.58%
#980 of 1077
Bottom 9.1% in 100M-500M tier
926
Share Certificate Concentration (%)
balance_sheet
Value:
35.39%
Peer Avg: 23.61%
#926 of 1077
Bottom 14.1% in 100M-500M tier
920
First Mortgage Concentration (%)
balance_sheet
Value:
48.90%
Peer Avg: 30.43%
#920 of 1077
Bottom 14.7% in 100M-500M tier
857
Loan Growth Rate
growth
Value:
-3.00%
Peer Avg: 3.45%
#857 of 1077
Bottom 20.5% in 100M-500M tier
818
Member Growth Rate
growth
Value:
-2.20%
Peer Avg: 0.72%
#818 of 1077
Bottom 24.1% in 100M-500M tier