BlastPoint's Credit Union Scorecard

DEPT OF LABOR

Charter #4963 · DC

100M-500M

1024 CUs in 100M-500M nationally 7 in DC

DEPT OF LABOR has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

DC Analysis

How does DC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.07% below tier average
- Efficiency ratio 46.44% above tier (higher cost structure)
- Net Worth Ratio: Bottom 2.5% in tier
- AMR Growth Rate: Bottom 4.7% in tier
- Asset Growth Rate: Bottom 5.5% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 7 that size in D.C..
Shares and deposits +0.2% year over year ($113M in shares and deposits).
Membership: 8,720 members, +2.6% vs a year ago.
Delinquency rate 0.59%.
Return on assets 0.80%.
Efficiency ratio 123.17% vs a 76.73% peer average.
Loan-to-share ratio 86.75% vs a 71.54% 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	8,720 +2.6% YoY+0.5% QoQ	-6.4K	15,168 -2.6% YoY	11,304 +3.6% YoY	34,678 +6.6% YoY	23%
Assets	$137.6M -3.1% YoY-1.7% QoQ	$-94.4M	$232.0M +0.7% YoY	$419.5M +5.8% YoY	$593.1M +10.2% YoY	24%
Loans	$98.4M -5.3% YoY-3.4% QoQ	$-47.8M	$146.3M +0.2% YoY	$248.4M +4.8% YoY	$418.6M +10.1% YoY	35%
Deposits	$113.5M +0.2% YoY-3.4% QoQ	$-87.2M	$200.7M +0.2% YoY	$364.6M +5.5% YoY	$504.8M +10.3% YoY	20%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% -446.3% YoY-190.7% QoQ	-0.1%	0.9% +12.5% YoY	1.0% -30.4% YoY	1.2% +121.4% YoY	52%
NIM	2.9% +1.9% YoY+2.4% QoQ	-0.8%	3.7% +4.5% YoY	3.6% -0.1% YoY	3.8% +2.3% YoY	Bottom 11.2% in tier
Efficiency Ratio	123.2% +39.5% YoY+0.6% QoQ	+46.4%	76.7% -0.8% YoY	84.8% +17.5% YoY	83.0% -5.3% YoY	Bottom 0.2% in tier
Delinquency Rate	0.6% +45.4% YoY+79.9% QoQ	-0.3	0.9% +6.6% YoY	2.7% +26.2% YoY	1.3% +2.6% YoY	43%
Loan To Share	86.7% -5.5% YoY-0.0% QoQ	+15.2%	71.5% -0.3% YoY	60.8% -1.7% YoY	66.4% -1.4% YoY	79%
AMR	$24,304 -4.9% YoY-3.8% QoQ	$-802	$25,107 +3.2% YoY	$22,625 -0.7% YoY	$20,028 -0.9% YoY	57%
CD Concentration	14.2% -16.2% YoY-2.1% QoQ	-10.4%	24.6%	15.9%	20.0%	50%
Indirect Auto %	0.1%	-13.5%	13.6%	0.2%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#170 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.60%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.14%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Organic Growth Engine

growth

#185 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.60%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.80%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.14%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Emerging Performer

growth

#133 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.80%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 2.60%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Concerns (3)

Shrinking Wallet Share

decline

#57 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -4.89%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank improving

Efficiency Drag

risk

#185 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 123.17%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 1.03% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 2.60%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY

Credit Quality Pressure

risk

#350 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.19% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (4 metrics)

193

Share Certificate Concentration (%)

balance_sheet

Value: 14.18%

Peer Median: 23.39%

#193 of 1024 Top 18.8% in 100M-500M tier

213

Loan-to-Share Ratio

balance_sheet

Value: 86.75%

Peer Median: 73.07%

#213 of 1024 Top 20.7% in 100M-500M tier

218

Net Charge-Off Rate

risk

Value: 0.13%

Peer Median: 0.34%

#218 of 1024 Top 21.2% in 100M-500M tier

232

Member Growth Rate

growth

Value: 2.60%

Peer Median: -0.03%

#232 of 1024 Top 22.6% in 100M-500M tier

Top Weaknesses (11 metrics)

1023

Efficiency Ratio

profitability

Value: 123.17%

Peer Median: 77.26%

#1023 of 1024 Bottom 0.2% in 100M-500M tier

999

Net Worth Ratio

risk

Value: 7.82%

Peer Median: 11.71%

#999 of 1024 Bottom 2.5% in 100M-500M tier

977

AMR Growth Rate

growth

Value: -4.89%

Peer Median: 3.53%

#977 of 1024 Bottom 4.7% in 100M-500M tier

969

Asset Growth Rate

growth

Value: -3.09%

Peer Median: 4.12%

#969 of 1024 Bottom 5.5% in 100M-500M tier

929

Loan Growth Rate

growth

Value: -5.30%

Peer Median: 3.02%

#929 of 1024 Bottom 9.4% in 100M-500M tier

909

Net Interest Margin (NIM)

profitability

Value: 2.93%

Peer Median: 3.67%

#909 of 1024 Bottom 11.3% in 100M-500M tier

900

First Mortgage Concentration (%)

balance_sheet

Value: 51.47%

Peer Median: 29.92%

#900 of 1024 Bottom 12.2% in 100M-500M tier

818

Total Deposits

balance_sheet

Value: $113.49M

Peer Median: $170.77M

#818 of 1024 Bottom 20.2% in 100M-500M tier

798

Deposit Growth Rate

growth

Value: 0.22%

Peer Median: 3.58%

#798 of 1024 Bottom 22.2% in 100M-500M tier

792

Total Members

engagement

Value: 8,720

Peer Median: 13,128

#792 of 1024 Bottom 22.8% in 100M-500M tier