PEPCO
Charter #367 | DC
<100M
(2596 CUs)
Micro
($0-$500M)
18 <100M in 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
|
50th in tier |
| 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
|
64th in tier |
| 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
|
46th in tier |
| 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
|
67th in tier |
| 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
|
52nd in tier |
| 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
|
43rd in tier |
| 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
|
73rd in tier |
| 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
|
Top 18.0% in tier |
| 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
|
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 (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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
29
AMR Growth Rate
growth
Value:
29.42%
Peer Avg: 4.67%
#29 of 2596
Top 1.1% in <100M tier
76
Fee Income Per Member
profitability
Value:
$267.74
Peer Avg: $182.96
#76 of 2596
Top 2.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
261
Loan Growth Rate
growth
Value:
10.43%
Peer Avg: 59.01%
#261 of 2596
Top 10.0% in <100M tier
467
Average Member Relationship (AMR)
engagement
Value:
$20,665
Peer Avg: $14,627
#467 of 2596
Top 18.0% in <100M tier
Top Weaknesses (5 metrics)
2552
Member Growth Rate
growth
Value:
-19.10%
Peer Avg: 14.92%
#2552 of 2596
Bottom 1.7% in <100M tier
2452
Total Delinquency Rate (60+ days)
risk
Value:
5.32%
Peer Avg: 1.51%
#2452 of 2596
Bottom 5.6% in <100M tier
2405
Loan-to-Share Ratio
balance_sheet
Value:
26.14%
Peer Avg: 61.23%
#2405 of 2596
Bottom 7.4% in <100M tier
2359
Net Worth Ratio
risk
Value:
8.93%
Peer Avg: 16.43%
#2359 of 2596
Bottom 9.2% in <100M tier
2022
Share Certificate Concentration (%)
balance_sheet
Value:
26.36%
Peer Avg: 15.37%
#2022 of 2596
Bottom 22.1% in <100M tier