BlastPoint's Credit Union Scorecard

F R B

Charter #320 · DC

1069 CUs in 100M-500M nationally 7 in DC

F R B has 3 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

+ Organic Growth Leader: Top 81.9% in tier
+ Organic Growth Engine: Top 91.8% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 25.7% in tier
- Credit Quality Pressure: Bottom 56.4% in tier
- Shrinking Wallet Share: Bottom 89.4% in tier
- ROA 0.48% below tier average
- Efficiency ratio 10.58% above tier (higher cost structure)
- Delinquency rate 0.28% above tier average
- First Mortgage Concentration (%): Bottom 2.8% in tier
- Total Members: Bottom 5.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	5,760 +1.1% YoY+0.3% QoQ	-9.7K	15,437 -2.9% YoY	11,054 +4.8% YoY	33,374 +5.7% YoY	Bottom 5.0% in tier
Assets	$126.7M +0.9% YoY+3.4% QoQ	$-105.2M	$231.9M +1.3% YoY	$405.8M +7.7% YoY	$561.6M +9.7% YoY	17%
Loans	$82.4M -3.6% YoY-1.0% QoQ	$-65.0M	$147.3M -0.1% YoY	$240.1M +3.9% YoY	$397.0M +8.8% YoY	24%
Deposits	$112.1M +3.0% YoY+3.5% QoQ	$-88.7M	$200.8M +0.8% YoY	$353.5M +6.9% YoY	$477.3M +9.7% YoY	19%

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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	0.3% +2398.9% YoY-34.5% QoQ	-0.5%	0.8% +18.2% YoY	-0.0% -109.0% YoY	0.7% +15.9% YoY	17%
NIM	2.9% +16.4% YoY+1.2% QoQ	-0.7%	3.6% +6.7% YoY	3.6% +2.8% YoY	3.8% +5.1% YoY	Bottom 13.7% in tier
Efficiency Ratio	87.6% -10.6% YoY+1.5% QoQ	+10.6%	77.0% -3.1% YoY	96.5% +10.4% YoY	79.7% -3.3% YoY	Top 15.0% in tier
Delinquency Rate	1.2% +17.1% YoY+21.9% QoQ	+0.3	0.9% +4.2% YoY	2.4% +56.5% YoY	1.3% -2.1% YoY	78%
Loan To Share	73.5% -6.4% YoY-4.3% QoQ	+1.3%	72.2% -1.1% YoY	62.1% -3.1% YoY	67.4% -1.7% YoY	50%
AMR	$33,766 -1.0% YoY+1.2% QoQ	+$9K	$24,676 +3.4% YoY	$22,531 +2.7% YoY	$19,687 +2.0% YoY	Top 10.9% in tier
CD Concentration	20.2% -8.0% YoY-5.9% QoQ	-4.3%	24.4%	15.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	0.1%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#349 of 426 • Top 81.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.11%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#546 of 595 • Top 91.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.11%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.29%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (3)

Efficiency Drag

risk

#139 of 538 • Bottom 25.7% in tier

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

Why This Signature

Efficiency Ratio: 87.59%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.28% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 1.11%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#398 of 705 • Bottom 56.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#186 of 208 • Bottom 89.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.98%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

117

Average Member Relationship (AMR)

engagement

Value: $33,766

Peer Median: -

#117 of 1069 Top 10.9% in 100M-500M tier

139

Loan-to-Member Ratio (LMR)

engagement

Value: $14,304

Peer Median: -

#139 of 1069 Top 12.9% in 100M-500M tier

211

Net Charge-Off Rate

risk

Value: 0.14%

Peer Median: -

#211 of 1069 Top 19.6% in 100M-500M tier

Top Weaknesses (13 metrics)

1040

First Mortgage Concentration (%)

balance_sheet

Value: 68.25%

Peer Median: -

#1040 of 1069 Bottom 2.8% in 100M-500M tier

1016

Total Members

engagement

Value: 5,760

Peer Median: -

#1016 of 1069 Bottom 5.1% in 100M-500M tier

923

Net Interest Margin (NIM)

profitability

Value: 2.88%

Peer Median: -

#923 of 1069 Bottom 13.8% in 100M-500M tier

917

AMR Growth Rate

growth

Value: -0.98%

Peer Median: -

#917 of 1069 Bottom 14.3% in 100M-500M tier

914

Net Worth Ratio

risk

Value: 9.07%

Peer Median: -

#914 of 1069 Bottom 14.6% in 100M-500M tier

910

Efficiency Ratio

profitability

Value: 87.59%

Peer Median: -

#910 of 1069 Bottom 15.0% in 100M-500M tier

904

Loan Growth Rate

growth

Value: -3.56%

Peer Median: -

#904 of 1069 Bottom 15.5% in 100M-500M tier

886

Return on Assets (ROA)

profitability

Value: 0.29%

Peer Median: -

#886 of 1069 Bottom 17.2% in 100M-500M tier

883

Total Assets

balance_sheet

Value: $126.67M

Peer Median: -

#883 of 1069 Bottom 17.5% in 100M-500M tier

863

Total Deposits

balance_sheet

Value: $112.10M

Peer Median: -

#863 of 1069 Bottom 19.4% in 100M-500M tier