BlastPoint's Credit Union Scorecard
PEPCO
Charter #367 · DC
2556 CUs in <100M nationally
18 in DC
PEPCO has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.0% in tier
- + AMR Growth Rate: Top 5.7% in tier
- + Loan Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - Efficiency ratio 18.03% above tier (higher cost structure)
- - Delinquency rate 4.33% above tier average
- - Member decline: -7.7% YoY
- - Total Delinquency Rate (60+ days): Bottom 4.9% in tier
- - Net Worth Ratio: Bottom 7.1% in tier
- - Loan-to-Share Ratio: Bottom 8.0% in tier
- - Member Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,934
-7.7% YoY+0.4% QoQ
|
-681 |
2,615
-1.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$33.0M
+0.5% YoY-2.0% QoQ
|
+$2.9M |
$30.1M
+2.1% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$8.4M
+11.6% YoY+2.0% QoQ
|
$-7.3M |
$15.8M
-1.3% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$31.0M
+2.9% YoY-1.8% QoQ
|
+$5.3M |
$25.7M
+1.4% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
0.1%
-111.2% YoY-92.2% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
3.1%
-18.8% YoY-15.8% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
100.6%
-5.2% YoY+13.9% QoQ
|
+18.0% |
82.6%
-2.3% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
Top 10.8% in tier |
| Delinquency Rate |
5.9%
+148.6% YoY+10.5% QoQ
|
+4.3 |
1.6%
-3.1% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
Top 4.9% in tier |
| Loan To Share |
27.1%
+8.5% YoY+3.8% QoQ
|
-33.5% |
60.6%
-3.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.9% in tier |
| AMR |
$20,382
+13.4% YoY-1.4% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
27.5%
+65.5% YoY+4.1% QoQ
|
+3.0% | 24.4% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
77
Fee Income Per Member
profitability
Value:
$255.36
Peer Median: -
#77 of 2556
Top 3.0% in <100M tier
146
AMR Growth Rate
growth
Value:
13.36%
Peer Median: -
#146 of 2556
Top 5.7% in <100M tier
228
Loan Growth Rate
growth
Value:
11.56%
Peer Median: -
#228 of 2556
Top 8.9% in <100M tier
501
Average Member Relationship (AMR)
engagement
Value:
$20,382
Peer Median: -
#501 of 2556
Top 19.6% in <100M tier
Top Weaknesses (9 metrics)
2432
Total Delinquency Rate (60+ days)
risk
Value:
5.88%
Peer Median: -
#2432 of 2556
Bottom 4.9% in <100M tier
2376
Net Worth Ratio
risk
Value:
8.52%
Peer Median: -
#2376 of 2556
Bottom 7.1% in <100M tier
2352
Loan-to-Share Ratio
balance_sheet
Value:
27.13%
Peer Median: -
#2352 of 2556
Bottom 8.0% in <100M tier
2337
Member Growth Rate
growth
Value:
-7.73%
Peer Median: -
#2337 of 2556
Bottom 8.6% in <100M tier
2282
Efficiency Ratio
profitability
Value:
100.59%
Peer Median: -
#2282 of 2556
Bottom 10.8% in <100M tier
2069
Return on Assets (ROA)
profitability
Value:
0.06%
Peer Median: -
#2069 of 2556
Bottom 19.1% in <100M tier
2025
Share Certificate Concentration (%)
balance_sheet
Value:
27.45%
Peer Median: -
#2025 of 2556
Bottom 20.8% in <100M tier
1981
Net Interest Margin (NIM)
profitability
Value:
3.13%
Peer Median: -
#1981 of 2556
Bottom 22.5% in <100M tier
1928
Members Per Employee (MPE)
engagement
Value:
241.750
Peer Median: -
#1928 of 2556
Bottom 24.6% in <100M tier