BlastPoint's Credit Union Scorecard

F R B

Charter #320 · DC

100M-500M

1070 CUs in 100M-500M nationally 7 in DC

F R B faces 8 concerns requiring attention

National Analysis

How does the industry compare?

DC Analysis

How does DC stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Wealth Migration Risk: Bottom 50.0% in tier
- ROA 0.50% below tier average
- Efficiency ratio 11.40% above tier (higher cost structure)
- Delinquency rate 0.26% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	5,709 +0.3% YoY-0.9% QoQ	-9.4K	15,145 -2.5% YoY	11,106 +1.6% YoY	33,913 +5.7% YoY	Bottom 5.4% in tier
Assets	$124.2M -5.1% YoY-1.9% QoQ	$-107.5M	$231.7M +0.8% YoY	$410.2M +3.1% YoY	$578.3M +9.0% YoY	15%
Loans	$81.2M -2.7% YoY-1.4% QoQ	$-62.9M	$144.1M +0.2% YoY	$239.7M +1.2% YoY	$402.4M +8.7% YoY	25%
Deposits	$111.8M -2.2% YoY-0.2% QoQ	$-89.3M	$201.1M +0.4% YoY	$357.7M +2.6% YoY	$494.3M +9.1% YoY	18%

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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	0.2% -46.3% YoY-19.7% QoQ	-0.5%	0.7% +5.1% YoY	-0.4% -168.3% YoY	0.4% -39.2% YoY	18%
NIM	3.0% +11.0% YoY+4.3% QoQ	-0.6%	3.6% +4.6% YoY	3.5% +3.4% YoY	3.8% +4.1% YoY	16%
Efficiency Ratio	89.4% +3.3% YoY+2.1% QoQ	+11.4%	78.0% -1.7% YoY	86.5% +9.1% YoY	84.6% +2.8% YoY	84%
Delinquency Rate	1.0% +8.7% YoY-12.4% QoQ	+0.3	0.8% +7.1% YoY	2.3% +3.6% YoY	1.2% +3.4% YoY	77%
Loan To Share	72.7% -0.5% YoY-1.1% QoQ	+2.2%	70.4% -0.4% YoY	60.4% -2.3% YoY	65.6% -1.4% YoY	51%
AMR	$33,819 -2.7% YoY+0.2% QoQ	+$9K	$24,918 +2.7% YoY	$22,450 -2.0% YoY	$19,920 +1.6% YoY	Top 11.7% in tier
CD Concentration	16.8% -21.5% YoY-16.5% QoQ	-7.4%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	0.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#58 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 89.43%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 0.32%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#121 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -2.71%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Credit Quality Pressure

risk

#527 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Deposit Outflow

decline

#54 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -2.21%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 0.32%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Wealth Migration Risk

decline

#19 of 20 • Bottom 50.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $33.8K

(Tier: $25.5K, National: $19.9K)

but better than tier avg

AMR Growth (YoY): -2.71%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

20 of 1070 Mid-Small & Community CUs have this signature | 28 nationally

→ No prior data (20 CUs now) | 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 1070 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

125

Average Member Relationship (AMR)

engagement

Value: $33,819

Peer Median: $22,931

#125 of 1070 Top 11.6% in 100M-500M tier

148

Loan-to-Member Ratio (LMR)

engagement

Value: $14,232

Peer Median: $9,356

#148 of 1070 Top 13.7% in 100M-500M tier

163

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.35%

#163 of 1070 Top 15.1% in 100M-500M tier

Top Weaknesses (13 metrics)

1044

First Mortgage Concentration (%)

balance_sheet

Value: 68.29%

Peer Median: 29.47%

#1044 of 1070 Bottom 2.5% in 100M-500M tier

1039

Asset Growth Rate

growth

Value: -5.13%

Peer Median: 3.91%

#1039 of 1070 Bottom 3.0% in 100M-500M tier

1012

Total Members

engagement

Value: 5,709

Peer Median: 13,200

#1012 of 1070 Bottom 5.5% in 100M-500M tier

974

Deposit Growth Rate

growth

Value: -2.21%

Peer Median: 3.30%

#974 of 1070 Bottom 9.1% in 100M-500M tier

970

AMR Growth Rate

growth

Value: -2.71%

Peer Median: 3.46%

#970 of 1070 Bottom 9.4% in 100M-500M tier

905

Total Assets

balance_sheet

Value: $124.20M

Peer Median: $196.57M

#905 of 1070 Bottom 15.5% in 100M-500M tier

896

Net Interest Margin (NIM)

profitability

Value: 3.00%

Peer Median: 3.62%

#896 of 1070 Bottom 16.4% in 100M-500M tier

896

Efficiency Ratio

profitability

Value: 89.43%

Peer Median: 78.68%

#896 of 1070 Bottom 16.4% in 100M-500M tier

879

Net Worth Ratio

risk

Value: 9.30%

Peer Median: 11.45%

#879 of 1070 Bottom 17.9% in 100M-500M tier

875

Return on Assets (ROA)

profitability

Value: 0.23%

Peer Median: 0.69%

#875 of 1070 Bottom 18.3% in 100M-500M tier