BlastPoint's Credit Union Scorecard
PEPCO
Charter #367 · DC
PEPCO has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% above tier average
- + Strong member growth: 6.5% YoY
- + Fee Income Per Member: Top 2.4% in tier
- + Loan Growth Rate: Top 5.3% in tier
- + Member Growth Rate: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 40.72% above tier (higher cost structure)
- - Delinquency rate 6.87% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.9% in tier
- - Net Worth Ratio: Bottom 3.5% in tier
- - Net Charge-Off Rate: Bottom 4.6% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 17 that size in D.C..
- Shares and deposits -3.4% year over year ($30.8M in shares and deposits).
- Membership: 2,009 members, +6.5% vs a year ago.
- Delinquency rate 8.42%.
- Return on assets 1.72%.
- Efficiency ratio 129.48% vs a 88.77% peer average.
- Loan-to-share ratio 31.84% vs a 58.89% 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 |
2,009
+6.5% YoY+1.3% QoQ
|
-576 |
2,585
-1.7% YoY
|
11,304
+3.6% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$33.0M
-5.1% YoY-1.3% QoQ
|
+$2.7M |
$30.3M
+1.5% YoY
|
$419.5M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
62% |
| Loans |
$9.8M
+15.3% YoY+2.9% QoQ
|
$-5.6M |
$15.5M
-1.7% YoY
|
$248.4M
+4.8% YoY
|
$418.6M
+10.1% YoY
|
51% |
| Deposits |
$30.8M
-3.4% YoY-2.1% QoQ
|
+$5.0M |
$25.8M
+1.1% YoY
|
$364.6M
+5.5% YoY
|
$504.8M
+10.3% YoY
|
66% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.7%
-2800.7% YoY-185.7% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
1.0%
-30.4% YoY
|
1.2%
+121.4% YoY
|
Top 14.6% in tier |
| NIM |
3.1%
-10.2% YoY+1.7% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.6%
-0.1% YoY
|
3.8%
+2.3% YoY
|
19% |
| Efficiency Ratio |
129.5%
+23.3% YoY-15.0% QoQ
|
+40.7% |
88.8%
-6.9% YoY
|
84.8%
+17.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.5% in tier |
| Delinquency Rate |
8.4%
+125.0% YoY+15.0% QoQ
|
+6.9 |
1.5%
+2.1% YoY
|
2.7%
+26.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.9% in tier |
| Loan To Share |
31.8%
+19.4% YoY+5.2% QoQ
|
-27.0% |
58.9%
-3.1% YoY
|
60.8%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 12.9% in tier |
| AMR |
$20,220
-5.5% YoY-2.2% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$22,625
-0.7% YoY
|
$20,028
-0.9% YoY
|
79% |
| CD Concentration |
26.1%
+10.1% YoY+6.2% QoQ
|
+1.5% | 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 (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)