HUD
Charter #4037 | DC
<100M
(2596 CUs)
Micro
($0-$500M)
18 <100M in DC
HUD has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.46% below tier average
- - Efficiency ratio 26.38% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 0.4% in tier
- - First Mortgage Concentration (%): Bottom 4.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,991
-1.6% YoY-0.7% QoQ
|
+2.4K |
2,625
-2.2% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
Top 14.1% in tier |
| Assets |
$45.5M
-4.6% YoY+0.4% QoQ
|
+$15.6M |
$29.9M
+1.1% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
75th in tier |
| Loans |
$33.9M
-2.4% YoY+2.8% QoQ
|
+$18.1M |
$15.8M
-2.4% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
Top 14.8% in tier |
| Deposits |
$43.8M
-4.3% YoY+0.5% QoQ
|
+$18.3M |
$25.5M
+0.4% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
Top 22.1% in tier |
| ROA |
-0.8%
+754.3% YoY+25.0% QoQ
|
-1.5% |
0.7%
-731.4% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.6% in tier |
| NIM |
3.7%
+8.4% YoY+1.5% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
42nd in tier |
| Efficiency Ratio |
107.8%
+6.2% YoY-0.8% QoQ
|
+26.4% |
81.4%
-2.4% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
Top 6.9% in tier |
| Delinquency Rate |
0.3%
-54.3% YoY-23.6% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
31st in tier |
| Loan To Share |
77.4%
+1.9% YoY+2.3% QoQ
|
+16.2% |
61.2%
-3.0% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
74th in tier |
| AMR |
$15,567
-1.9% YoY+2.2% QoQ
|
+$940 |
$14,627
-2.7% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
60th in tier |
| CD Concentration |
15.6%
-11.0% YoY-4.5% QoQ
|
-8.8% |
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
173
Members Per Employee (MPE)
engagement
Value:
623.875
Peer Avg: 365.701
#173 of 2596
Top 6.6% in <100M tier
366
Total Members
engagement
Value:
4,991
Peer Avg: 2,626
#366 of 2596
Top 14.1% in <100M tier
385
Total Loans
balance_sheet
Value:
$33.90M
Peer Avg: $15.77M
#385 of 2596
Top 14.8% in <100M tier
574
Total Deposits
balance_sheet
Value:
$43.79M
Peer Avg: $25.45M
#574 of 2596
Top 22.1% in <100M tier
Top Weaknesses (6 metrics)
2587
Net Worth Ratio
risk
Value:
4.30%
Peer Avg: 16.43%
#2587 of 2596
Bottom 0.4% in <100M tier
2491
First Mortgage Concentration (%)
balance_sheet
Value:
59.22%
Peer Avg: 14.49%
#2491 of 2596
Bottom 4.1% in <100M tier
2425
Return on Assets (ROA)
profitability
Value:
-0.78%
Peer Avg: 0.68%
#2425 of 2596
Bottom 6.6% in <100M tier
2418
Efficiency Ratio
profitability
Value:
107.77%
Peer Avg: 81.39%
#2418 of 2596
Bottom 6.9% in <100M tier
2198
Asset Growth Rate
growth
Value:
-4.59%
Peer Avg: 1.82%
#2198 of 2596
Bottom 15.4% in <100M tier
2066
Deposit Growth Rate
growth
Value:
-4.28%
Peer Avg: 16.80%
#2066 of 2596
Bottom 20.5% in <100M tier