BlastPoint's Credit Union Scorecard
F R B
Charter #320 · DC
F R B has 3 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 25.3% in tier
- + Organic Growth Engine: Top 28.5% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 13.5% in tier
- - Efficiency Drag: Bottom 16.5% in tier
- - Wealth Migration Risk: Bottom 20.9% in tier
- - Credit Quality Pressure: Bottom 24.6% in tier
- - ROA 0.35% below tier average
- - Efficiency ratio 9.00% above tier (higher cost structure)
- - Delinquency rate 0.11% above tier average
- - First Mortgage Concentration (%): Bottom 2.5% in tier
- - Total Members: Bottom 4.9% in tier
- - AMR Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,742
+1.3% YoY+0.2% QoQ
|
-9.9K |
15,628
-3.4% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 4.8% in tier |
| Assets |
$122.6M
-0.4% YoY-2.9% QoQ
|
$-108.7M |
$231.3M
-0.0% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.6% in tier |
| Loans |
$83.2M
-5.2% YoY+0.1% QoQ
|
$-64.6M |
$147.8M
-1.4% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$108.4M
+2.1% YoY-1.7% QoQ
|
$-91.9M |
$200.3M
-0.0% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
17% |
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| ROA |
0.4%
-1181.0% YoY+16.1% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
2.8%
+15.9% YoY+3.3% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.6% in tier |
| Efficiency Ratio |
86.3%
-13.9% YoY-2.1% QoQ
|
+9.0% |
77.3%
-3.0% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
80% |
| Delinquency Rate |
1.0%
+5.1% YoY-13.8% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
69% |
| Loan To Share |
76.8%
-7.1% YoY+1.9% QoQ
|
+4.1% |
72.7%
-1.5% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$33,368
-2.4% YoY-1.1% QoQ
|
+$9K |
$24,363
+2.9% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
Top 11.0% in tier |
| CD Concentration |
21.4%
-9.1% YoY+1.3% QoQ
|
-3.0% |
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 (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)