BlastPoint's Credit Union Scorecard

DEPARTMENT OF THE INTERIOR

Charter #319 · DC

1077 CUs in 100M-500M nationally 7 in DC

DEPARTMENT OF THE INTERIOR has 2 strengths but faces 15 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

+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Members Per Employee (MPE): Top 5.7% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 2.0% in tier
- Membership Headwinds: Bottom 5.5% in tier
- Stagnation Risk: Bottom 22.4% in tier
- Credit Quality Pressure: Bottom 25.1% in tier
- Efficiency Drag: Bottom 25.9% in tier
- ROA 1.57% below tier average
- Efficiency ratio 4.09% above tier (higher cost structure)
- Delinquency rate 0.14% above tier average
- Member decline: -5.9% YoY
- Net Worth Ratio: Bottom 0.8% in tier
- Net Charge-Off Rate: Bottom 3.4% in tier
- Loan Growth Rate: Bottom 4.4% in tier
- Asset Growth Rate: Bottom 5.0% in tier
- Member Growth Rate: Bottom 7.5% in tier
- Share Certificate Concentration (%): Bottom 8.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	19,480 -5.9% YoY-1.7% QoQ	+3.9K	15,628 -3.4% YoY	10,992 +7.3% YoY	33,089 +6.1% YoY	74%
Assets	$274.7M -3.8% YoY-2.9% QoQ	+$43.4M	$231.3M -0.0% YoY	$397.3M +10.3% YoY	$547.7M +7.8% YoY	69%
Loans	$216.3M -9.4% YoY-0.3% QoQ	+$68.5M	$147.8M -1.4% YoY	$237.1M +5.6% YoY	$388.7M +8.6% YoY	79%
Deposits	$249.0M -1.5% YoY-2.3% QoQ	+$48.7M	$200.3M -0.0% YoY	$346.2M +10.2% YoY	$464.6M +9.3% YoY	71%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.8% +21.1% YoY-15.7% QoQ	-1.6%	0.8% +15.5% YoY	0.1% -83.6% YoY	0.7% +273.4% YoY	Bottom 1.3% in tier
NIM	3.3% -3.9% YoY+3.6% QoQ	-0.2%	3.6% +6.9% YoY	3.6% +4.1% YoY	3.7% +5.0% YoY	35%
Efficiency Ratio	81.4% +8.0% YoY-3.6% QoQ	+4.1%	77.3% -3.0% YoY	96.2% +5.7% YoY	79.1% -3.3% YoY	65%
Delinquency Rate	1.0% +4.4% YoY-9.2% QoQ	+0.1	0.9% +7.6% YoY	2.3% +52.4% YoY	1.2% -0.9% YoY	70%
Loan To Share	86.9% -8.0% YoY+2.1% QoQ	+14.2%	72.7% -1.5% YoY	61.8% -0.7% YoY	68.0% -1.7% YoY	79%
AMR	$23,886 +0.6% YoY+0.3% QoQ	$-477	$24,363 +2.9% YoY	$22,611 +4.7% YoY	$19,418 +1.3% YoY	59%
CD Concentration	39.8% -3.3% YoY-2.8% QoQ	+15.4%	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 (0)

No strengths identified

Concerns (5)

Institutional Decline

decline

#17 of 256 • Bottom 2.0% in tier

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

Why This Signature

Total Assets: $274.68M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -5.91%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -9.40%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline

#91 of 550 • Bottom 5.5% in tier

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

Why This Signature

Member Growth (YoY): -5.91%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk

#369 of 550 • Bottom 22.4% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.91%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -9.40%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.00%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#621 of 736 • Bottom 25.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Efficiency Drag

risk

#457 of 521 • Bottom 25.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.37%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -5.91%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 499.487

Peer Avg: -

#62 of 1077 Top 5.7% in 100M-500M tier

228

Total Loans

balance_sheet

Value: $216.33M

Peer Avg: -

#228 of 1077 Top 21.1% in 100M-500M tier

230

Loan-to-Share Ratio

balance_sheet

Value: 86.89%

Peer Avg: -

#230 of 1077 Top 21.3% in 100M-500M tier

Top Weaknesses (9 metrics)

1069

Net Worth Ratio

risk

Value: 7.27%

Peer Avg: -

#1069 of 1077 Bottom 0.8% in 100M-500M tier

1063

Return on Assets (ROA)

profitability

Value: -0.78%

Peer Avg: -

#1063 of 1077 Bottom 1.4% in 100M-500M tier

1041

Net Charge-Off Rate

risk

Value: 1.56%

Peer Avg: -

#1041 of 1077 Bottom 3.4% in 100M-500M tier

1031

Loan Growth Rate

growth

Value: -9.40%

Peer Avg: -

#1031 of 1077 Bottom 4.4% in 100M-500M tier

1024

Asset Growth Rate

growth

Value: -3.84%

Peer Avg: -

#1024 of 1077 Bottom 5.0% in 100M-500M tier

997

Member Growth Rate

growth

Value: -5.91%

Peer Avg: -

#997 of 1077 Bottom 7.5% in 100M-500M tier

991

Share Certificate Concentration (%)

balance_sheet

Value: 39.83%

Peer Avg: -

#991 of 1077 Bottom 8.1% in 100M-500M tier

960

Deposit Growth Rate

growth

Value: -1.48%

Peer Avg: -

#960 of 1077 Bottom 11.0% in 100M-500M tier

821

Fee Income Per Member

profitability

Value: $116.13

Peer Avg: -

#821 of 1077 Bottom 23.9% in 100M-500M tier