BlastPoint's Credit Union Scorecard

DEPARTMENT OF THE INTERIOR

Charter #319 · DC

100M-500M

1070 CUs in 100M-500M nationally 7 in DC

DEPARTMENT OF THE INTERIOR has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

DC Analysis

How does DC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.19% above tier average
+ Members Per Employee (MPE): Top 4.7% 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
- Member decline: -5.5% YoY
- Net Worth Ratio: Bottom 1.0% in tier
- Asset Growth Rate: Bottom 3.6% in tier
- Deposit Growth Rate: Bottom 5.6% in tier
- Net Charge-Off Rate: Bottom 7.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	19,807 -5.5% YoY+2.7% QoQ	+4.7K	15,145 -2.5% YoY	11,106 +1.6% YoY	33,913 +5.7% YoY	76%
Assets	$273.2M -4.6% YoY+1.4% QoQ	+$41.5M	$231.7M +0.8% YoY	$410.2M +3.1% YoY	$578.3M +9.0% YoY	69%
Loans	$210.8M -5.4% YoY-1.1% QoQ	+$66.6M	$144.1M +0.2% YoY	$239.7M +1.2% YoY	$402.4M +8.7% YoY	79%
Deposits	$248.1M -3.8% YoY+1.5% QoQ	+$46.9M	$201.1M +0.4% YoY	$357.7M +2.6% YoY	$494.3M +9.1% YoY	71%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% -200.9% YoY-215.4% QoQ	+0.2%	0.7% +5.1% YoY	-0.4% -168.3% YoY	0.4% -39.2% YoY	65%
NIM	3.3% +2.7% YoY-2.7% QoQ	-0.3%	3.6% +4.6% YoY	3.5% +3.4% YoY	3.8% +4.1% YoY	33%
Efficiency Ratio	64.1% -24.7% YoY-21.9% QoQ	-13.9%	78.0% -1.7% YoY	86.5% +9.1% YoY	84.6% +2.8% YoY	Top 13.6% in tier
Delinquency Rate	0.7% -45.1% YoY-19.7% QoQ	-0.1	0.8% +7.1% YoY	2.3% +3.6% YoY	1.2% +3.4% YoY	54%
Loan To Share	85.0% -1.7% YoY-2.6% QoQ	+14.5%	70.4% -0.4% YoY	60.4% -2.3% YoY	65.6% -1.4% YoY	79%
AMR	$23,165 +1.0% YoY-2.3% QoQ	$-2K	$24,918 +2.7% YoY	$22,450 -2.0% YoY	$19,920 +1.6% YoY	51%
CD Concentration	38.3% -5.9% YoY-2.2% QoQ	+14.0%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	0.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Stagnation Risk

risk

#58 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.49%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.38%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.66%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#33 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $273.17M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -5.49%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.38%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#110 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -5.49%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 521.237

Peer Median: 309.176

#51 of 1070 Top 4.7% in 100M-500M tier

147

Efficiency Ratio

profitability

Value: 64.08%

Peer Median: 78.68%

#147 of 1070 Top 13.6% in 100M-500M tier

219

Fee Income Per Member

profitability

Value: $213.11

Peer Median: $154.95

#219 of 1070 Top 20.4% in 100M-500M tier

220

Total Loans

balance_sheet

Value: $210.76M

Peer Median: $121.41M

#220 of 1070 Top 20.5% in 100M-500M tier

228

Loan-to-Share Ratio

balance_sheet

Value: 84.96%

Peer Median: 71.88%

#228 of 1070 Top 21.2% in 100M-500M tier

252

Total Members

engagement

Value: 19,807

Peer Median: 13,200

#252 of 1070 Top 23.5% in 100M-500M tier

Top Weaknesses (7 metrics)

1060

Net Worth Ratio

risk

Value: 7.35%

Peer Median: 11.45%

#1060 of 1070 Bottom 1.0% in 100M-500M tier

1033

Asset Growth Rate

growth

Value: -4.57%

Peer Median: 3.91%

#1033 of 1070 Bottom 3.6% in 100M-500M tier

1011

Deposit Growth Rate

growth

Value: -3.77%

Peer Median: 3.30%

#1011 of 1070 Bottom 5.6% in 100M-500M tier

989

Net Charge-Off Rate

risk

Value: 1.20%

Peer Median: 0.35%

#989 of 1070 Bottom 7.7% in 100M-500M tier

978

Member Growth Rate

growth

Value: -5.49%

Peer Median: -0.06%

#978 of 1070 Bottom 8.7% in 100M-500M tier

970

Loan Growth Rate

growth

Value: -5.38%

Peer Median: 2.93%

#970 of 1070 Bottom 9.4% in 100M-500M tier

970

Share Certificate Concentration (%)

balance_sheet

Value: 38.27%

Peer Median: 23.10%

#970 of 1070 Bottom 9.4% in 100M-500M tier