BlastPoint's Credit Union Scorecard
DEPARTMENT OF THE INTERIOR
Charter #319 · DC
DEPARTMENT OF THE INTERIOR has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.20% below tier average
- - Delinquency rate 0.21% above tier average
- - Member decline: -3.8% YoY
- - Net Worth Ratio: Bottom 1.0% in tier
- - Asset Growth Rate: Bottom 1.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 7 that size in D.C..
- Shares and deposits -5.2% year over year ($242M in shares and deposits).
- Membership: 19,070 members, -3.8% vs a year ago.
- Delinquency rate 1.09%.
- Return on assets 0.66%.
- Efficiency ratio 70.42% vs a 76.73% peer average.
- Loan-to-share ratio 87.81% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,070
-3.8% YoY-3.7% QoQ
|
+3.9K |
15,168
-2.6% YoY
|
11,304
+3.6% YoY
|
34,678
+6.6% YoY
|
74% |
| Assets |
$268.0M
-5.2% YoY-1.9% QoQ
|
+$36.0M |
$232.0M
+0.7% YoY
|
$419.5M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
68% |
| Loans |
$212.2M
-2.2% YoY+0.7% QoQ
|
+$65.9M |
$146.3M
+0.2% YoY
|
$248.4M
+4.8% YoY
|
$418.6M
+10.1% YoY
|
78% |
| Deposits |
$241.7M
-5.2% YoY-2.6% QoQ
|
+$41.0M |
$200.7M
+0.2% YoY
|
$364.6M
+5.5% YoY
|
$504.8M
+10.3% YoY
|
69% |
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| ROA |
0.7%
-171.7% YoY-27.3% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.0%
-30.4% YoY
|
1.2%
+121.4% YoY
|
41% |
| NIM |
3.4%
+6.1% YoY+2.2% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.6%
-0.1% YoY
|
3.8%
+2.3% YoY
|
34% |
| Efficiency Ratio |
70.4%
-16.6% YoY+9.9% QoQ
|
-6.3% |
76.7%
-0.8% YoY
|
84.8%
+17.5% YoY
|
83.0%
-5.3% YoY
|
27% |
| Delinquency Rate |
1.1%
-1.4% YoY+65.3% QoQ
|
+0.2 |
0.9%
+6.6% YoY
|
2.7%
+26.2% YoY
|
1.3%
+2.6% YoY
|
72% |
| Loan To Share |
87.8%
+3.1% YoY+3.4% QoQ
|
+16.3% |
71.5%
-0.3% YoY
|
60.8%
-1.7% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$23,800
-0.1% YoY+2.7% QoQ
|
$-1K |
$25,107
+3.2% YoY
|
$22,625
-0.7% YoY
|
$20,028
-0.9% YoY
|
54% |
| CD Concentration |
40.1%
-2.1% YoY+4.8% QoQ
|
+15.5% | 24.6% | 15.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 0.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining 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.
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)