BlastPoint's Credit Union Scorecard
PEPCO
Charter #367 · DC
PEPCO has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 2.4% in tier
- + Loan Growth Rate: Top 2.6% in tier
- + Net Charge-Off Rate: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - ROA 2.16% below tier average
- - Efficiency ratio 61.68% above tier (higher cost structure)
- - Delinquency rate 5.81% above tier average
- - Member decline: -2.2% YoY
- - Total Delinquency Rate (60+ days): Bottom 3.4% in tier
- - Net Worth Ratio: Bottom 4.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,984
-2.2% YoY+2.6% QoQ
|
-692 |
2,676
+1.6% YoY
|
11,106
+1.6% YoY
|
33,913
+5.7% YoY
|
51% |
| Assets |
$33.4M
-2.3% YoY+1.2% QoQ
|
+$3.2M |
$30.2M
+1.3% YoY
|
$410.2M
+3.1% YoY
|
$578.3M
+9.0% YoY
|
62% |
| Loans |
$9.5M
+23.7% YoY+13.3% QoQ
|
$-5.7M |
$15.3M
-2.0% YoY
|
$239.7M
+1.2% YoY
|
$402.4M
+8.7% YoY
|
50% |
| Deposits |
$31.5M
+0.2% YoY+1.5% QoQ
|
+$5.7M |
$25.8M
+0.7% YoY
|
$357.7M
+2.6% YoY
|
$494.3M
+9.1% 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 |
-2.0%
-3306.2% QoQ
|
-2.2% |
0.1%
-77.6% YoY
|
-0.4%
-168.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.8% in tier |
| NIM |
3.0%
-16.8% YoY-3.3% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.5%
+3.4% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
152.3%
+38.8% YoY+51.4% QoQ
|
+61.7% |
90.6%
+6.5% YoY
|
86.5%
+9.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.8% in tier |
| Delinquency Rate |
7.3%
+199.1% YoY+24.4% QoQ
|
+5.8 |
1.5%
+3.8% YoY
|
2.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.4% in tier |
| Loan To Share |
30.3%
+23.4% YoY+11.6% QoQ
|
-28.2% |
58.5%
-3.0% YoY
|
60.4%
-2.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.8% in tier |
| AMR |
$20,674
+7.2% YoY+1.4% QoQ
|
+$6K |
$14,884
-1.7% YoY
|
$22,450
-2.0% YoY
|
$19,920
+1.6% YoY
|
80% |
| CD Concentration |
24.5%
+28.8% YoY-10.6% QoQ
|
+0.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 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)