BlastPoint's Credit Union Scorecard
F R B
Charter #320 · DC
F R B faces 8 concerns requiring attention
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
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 0.71% below tier average
- - Efficiency ratio 14.82% above tier (higher cost structure)
- - Delinquency rate 0.53% above tier average
- - First Mortgage Concentration (%): Bottom 2.6% in tier
- - Total Members: Bottom 5.5% 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 +0.6% year over year ($111M in shares and deposits).
- Membership: 5,748 members, +0.3% vs a year ago.
- Delinquency rate 1.41%.
- Return on assets 0.15%.
- Efficiency ratio 91.55% vs a 76.73% peer average.
- Loan-to-share ratio 72.09% 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 |
5,748
+0.3% YoY+0.7% QoQ
|
-9.4K |
15,168
-2.6% YoY
|
11,304
+3.6% YoY
|
34,678
+6.6% YoY
|
Bottom 5.4% in tier |
| Assets |
$123.4M
-2.2% YoY-0.7% QoQ
|
$-108.6M |
$232.0M
+0.7% YoY
|
$419.5M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.8% in tier |
| Loans |
$80.0M
-3.9% YoY-1.6% QoQ
|
$-66.3M |
$146.3M
+0.2% YoY
|
$248.4M
+4.8% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$110.9M
+0.6% YoY-0.8% QoQ
|
$-89.8M |
$200.7M
+0.2% YoY
|
$364.6M
+5.5% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
0.2%
-59.4% YoY-33.5% QoQ
|
-0.7% |
0.9%
+12.5% YoY
|
1.0%
-30.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.3% in tier |
| NIM |
3.0%
+10.6% YoY+1.4% QoQ
|
-0.6% |
3.7%
+4.5% YoY
|
3.6%
-0.1% YoY
|
3.8%
+2.3% YoY
|
15% |
| Efficiency Ratio |
91.6%
+3.9% YoY+2.4% QoQ
|
+14.8% |
76.7%
-0.8% YoY
|
84.8%
+17.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.7% in tier |
| Delinquency Rate |
1.4%
+25.4% YoY+36.2% QoQ
|
+0.5 |
0.9%
+6.6% YoY
|
2.7%
+26.2% YoY
|
1.3%
+2.6% YoY
|
84% |
| Loan To Share |
72.1%
-4.4% YoY-0.8% QoQ
|
+0.5% |
71.5%
-0.3% YoY
|
60.8%
-1.7% YoY
|
66.4%
-1.4% YoY
|
49% |
| AMR |
$33,207
-1.6% YoY-1.8% QoQ
|
+$8K |
$25,107
+3.2% YoY
|
$22,625
-0.7% YoY
|
$20,028
-0.9% YoY
|
Top 12.8% in tier |
| CD Concentration |
18.9%
-10.4% YoY+12.6% QoQ
|
-5.6% | 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)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)