DEPARTMENT OF THE INTERIOR

Charter #319 | DC

100M-500M (1077 CUs) Micro
7 100M-500M in DC

DEPARTMENT OF THE INTERIOR has 4 strengths but faces 15 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 35.2% in tier
  • + Wallet Share Momentum: Top 36.0% in tier
  • + 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
 74th in tier
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
 69th in tier
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
 Top 21.2% in tier
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
 71st in tier
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
 35th in tier
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
 65th in tier
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
 70th in tier
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
 Top 21.4% in tier
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
 59th in tier
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
 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
#970 of 1006 • Top 35.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 0.62%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.1K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#992 of 1006 • Top 36.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 0.62%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

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: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -5.91%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -9.40%
(Tier: 3.64%, 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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -0.78%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -5.91%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $23.9K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 39.83%
(Tier: 24.41%, National: 19.60%)
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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
62
Members Per Employee (MPE)
engagement
Value: 499.487
Peer Avg: 332.881
#62 of 1077 Top 5.7% in 100M-500M tier
228
Total Loans
balance_sheet
Value: $216.33M
Peer Avg: $147.80M
#228 of 1077 Top 21.1% in 100M-500M tier
230
Loan-to-Share Ratio
balance_sheet
Value: 86.89%
Peer Avg: 72.70%
#230 of 1077 Top 21.3% in 100M-500M tier

Top Weaknesses (9 metrics)

1069
Net Worth Ratio
risk
Value: 7.27%
Peer Avg: 12.15%
#1069 of 1077 Bottom 0.8% in 100M-500M tier
1063
Return on Assets (ROA)
profitability
Value: -0.78%
Peer Avg: 0.79%
#1063 of 1077 Bottom 1.4% in 100M-500M tier
1041
Net Charge-Off Rate
risk
Value: 1.56%
Peer Avg: 0.47%
#1041 of 1077 Bottom 3.4% in 100M-500M tier
1031
Loan Growth Rate
growth
Value: -9.40%
Peer Avg: 3.45%
#1031 of 1077 Bottom 4.4% in 100M-500M tier
1024
Asset Growth Rate
growth
Value: -3.84%
Peer Avg: 4.70%
#1024 of 1077 Bottom 5.0% in 100M-500M tier
997
Member Growth Rate
growth
Value: -5.91%
Peer Avg: 0.72%
#997 of 1077 Bottom 7.5% in 100M-500M tier
991
Share Certificate Concentration (%)
balance_sheet
Value: 39.83%
Peer Avg: 23.61%
#991 of 1077 Bottom 8.1% in 100M-500M tier
960
Deposit Growth Rate
growth
Value: -1.48%
Peer Avg: 4.69%
#960 of 1077 Bottom 11.0% in 100M-500M tier
821
Fee Income Per Member
profitability
Value: $116.13
Peer Avg: $174.31
#821 of 1077 Bottom 23.9% in 100M-500M tier