BlastPoint's Credit Union Scorecard
PEPCO
Charter #367 · DC
PEPCO has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.1% in tier
- + Fee Income Per Member: Top 2.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 6.95% above tier (higher cost structure)
- - Delinquency rate 3.81% above tier average
- - Member decline: -19.1% YoY
- - Member Growth Rate: Bottom 1.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.6% in tier
- - Loan-to-Share Ratio: Bottom 7.4% in tier
- - Net Worth Ratio: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,927
-19.1% YoY+2.1% QoQ
|
-698 |
2,625
-2.2% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$33.7M
+1.0% YoY-3.1% QoQ
|
+$3.8M |
$29.9M
+1.1% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$8.3M
+10.4% YoY-3.0% QoQ
|
$-7.5M |
$15.8M
-2.4% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
46% |
| Deposits |
$31.6M
+3.3% YoY-1.0% QoQ
|
+$6.1M |
$25.5M
+0.4% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
67% |
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| ROA |
0.8%
-183.3% YoY-1365.4% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
3.7%
+6.7% YoY+8.5% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
43% |
| Efficiency Ratio |
88.3%
-24.8% YoY-15.9% QoQ
|
+7.0% |
81.4%
-2.4% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
73% |
| Delinquency Rate |
5.3%
+425.3% YoY+42.2% QoQ
|
+3.8 |
1.5%
-2.0% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
Top 5.6% in tier |
| Loan To Share |
26.1%
+6.9% YoY-2.0% QoQ
|
-35.1% |
61.2%
-3.0% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.2% in tier |
| AMR |
$20,665
+29.4% YoY-3.5% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration |
26.4%
+63.1% YoY+11.4% QoQ
|
+2.0% |
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 (0)
Concerns (0)
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)