BlastPoint's Credit Union Scorecard
DEPARTMENT OF THE INTERIOR
Charter #319 · DC
DEPARTMENT OF THE INTERIOR has 2 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 3.2% in tier
- - Institutional Decline: Bottom 4.6% in tier
- - Membership Headwinds: Bottom 7.2% in tier
- - Efficiency Drag: Bottom 92.7% in tier
- - ROA 1.55% below tier average
- - Efficiency ratio 5.08% above tier (higher cost structure)
- - Member decline: -9.7% YoY
- - Net Worth Ratio: Bottom 0.9% in tier
- - Asset Growth Rate: Bottom 2.9% in tier
- - Member Growth Rate: Bottom 3.5% in tier
- - Net Charge-Off Rate: Bottom 3.7% in tier
- - Loan Growth Rate: Bottom 5.1% in tier
- - Deposit Growth Rate: Bottom 6.1% in tier
- - Share Certificate Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,282
-9.7% YoY-1.0% QoQ
|
+3.8K |
15,437
-2.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$269.3M
-4.5% YoY-2.0% QoQ
|
+$37.5M |
$231.9M
+1.3% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$213.1M
-8.2% YoY-1.5% QoQ
|
+$65.7M |
$147.3M
-0.1% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
79% |
| Deposits |
$244.3M
-3.3% YoY-1.9% QoQ
|
+$43.5M |
$200.8M
+0.8% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
-0.8%
+36.5% YoY+1.3% QoQ
|
-1.6% |
0.8%
+18.2% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.9% in tier |
| NIM |
3.4%
-3.2% YoY+3.0% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
82.1%
+8.4% YoY+0.9% QoQ
|
+5.1% |
77.0%
-3.1% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.8%
-33.0% YoY-18.2% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
87.2%
-5.1% YoY+0.4% QoQ
|
+15.0% |
72.2%
-1.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$23,720
+4.5% YoY-0.7% QoQ
|
$-956 |
$24,676
+3.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
39.1%
-3.4% YoY-1.7% QoQ
|
+14.7% | 24.4% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)