F R B
Charter #320 | DC
100M-500M
(1077 CUs)
Micro
($0-$500M)
7 100M-500M in DC
F R B has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 20.4% in tier
- + 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
|
Bottom 24.0% in tier |
| 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
|
Bottom 17.3% in tier |
| 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
|
28th in tier |
| 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
|
Top 19.7% in tier |
| 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
|
69th in tier |
| 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
|
56th in tier |
| 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
|
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 (3)
Emerging Performer
growth
#384 of 627 • Top 20.4% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.44%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
1.27%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
New qualifier
Organic Growth Leader
growth
#334 of 430 • Top 25.3% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
1.27%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank worsening
Organic Growth Engine
growth
#522 of 603 • Top 28.5% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
1.27%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.44%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Concerns (4)
Shrinking Wallet Share
decline
#135 of 244 • Bottom 13.5% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-2.44%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
Rank improving
Efficiency Drag
risk
#292 of 521 • Bottom 16.5% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
86.28%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
0.48% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
1.27%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank worsening
Wealth Migration Risk
decline
#24 of 28 • Bottom 20.9% in tier
High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Why This Signature
Avg Member Relationship:
$33.4K
(Tier: $25.0K, National: $19.4K)
AMR Growth (YoY):
-2.44%
(Tier:
3.68%, National:
4.19%)
Total Assets:
$122.56M
(Tier: $231.30M, National: $547.69M)
28 of 1077 Community CUs have this signature
| 39 nationally
↓ Shrinking
-32 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#609 of 736 • Bottom 24.6% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.05% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 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)
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
111
Net Charge-Off Rate
risk
Value:
0.07%
Peer Avg: 0.47%
#111 of 1077
Top 10.2% in 100M-500M tier
119
Average Member Relationship (AMR)
engagement
Value:
$33,368
Peer Avg: $24,363
#119 of 1077
Top 11.0% in 100M-500M tier
129
Loan-to-Member Ratio (LMR)
engagement
Value:
$14,496
Peer Avg: $10,245
#129 of 1077
Top 11.9% in 100M-500M tier
Top Weaknesses (11 metrics)
1051
First Mortgage Concentration (%)
balance_sheet
Value:
68.48%
Peer Avg: 30.43%
#1051 of 1077
Bottom 2.5% in 100M-500M tier
1025
Total Members
engagement
Value:
5,742
Peer Avg: 15,628
#1025 of 1077
Bottom 4.9% in 100M-500M tier
971
AMR Growth Rate
growth
Value:
-2.44%
Peer Avg: 3.64%
#971 of 1077
Bottom 9.9% in 100M-500M tier
944
Loan Growth Rate
growth
Value:
-5.15%
Peer Avg: 3.45%
#944 of 1077
Bottom 12.4% in 100M-500M tier
930
Net Interest Margin (NIM)
profitability
Value:
2.84%
Peer Avg: 3.58%
#930 of 1077
Bottom 13.7% in 100M-500M tier
920
Total Assets
balance_sheet
Value:
$122.56M
Peer Avg: $231.30M
#920 of 1077
Bottom 14.7% in 100M-500M tier
898
Asset Growth Rate
growth
Value:
-0.43%
Peer Avg: 4.70%
#898 of 1077
Bottom 16.7% in 100M-500M tier
891
Total Deposits
balance_sheet
Value:
$108.36M
Peer Avg: $200.29M
#891 of 1077
Bottom 17.4% in 100M-500M tier
866
Efficiency Ratio
profitability
Value:
86.28%
Peer Avg: 77.28%
#866 of 1077
Bottom 19.7% in 100M-500M tier
865
Net Worth Ratio
risk
Value:
9.43%
Peer Avg: 12.15%
#865 of 1077
Bottom 19.8% in 100M-500M tier