DEPT OF LABOR

Charter #4963 | DC

100M-500M (1077 CUs) Micro
7 100M-500M in DC

DEPT OF LABOR has 5 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 14.6% in tier
  • + Organic Growth Leader: Top 17.9% in tier
  • + Wallet Share Momentum: Top 27.2% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 1.3% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 8.9% in tier
  • - ROA 0.89% below tier average
  • - Efficiency ratio 10.58% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 3.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (DC) National Avg Tier Percentile
Members 8,528
+2.2% YoY+0.3% QoQ
 -7.1K 15,628
-3.4% YoY
 10,992
+7.3% YoY
 33,089
+6.1% YoY
 Bottom 19.6% in tier
Assets $146.6M
+10.1% YoY+3.2% QoQ
 $-84.7M $231.3M
-0.0% YoY
 $397.3M
+10.3% YoY
 $547.7M
+7.8% YoY
 29th in tier
Loans $103.4M
+0.1% YoY-0.5% QoQ
 $-44.4M $147.8M
-1.4% YoY
 $237.1M
+5.6% YoY
 $388.7M
+8.6% YoY
 36th in tier
Deposits $117.7M
+9.7% YoY+3.9% QoQ
 $-82.6M $200.3M
-0.0% YoY
 $346.2M
+10.2% YoY
 $464.6M
+9.3% YoY
 Bottom 24.0% in tier
ROA -0.1%
-371.2% YoY-55.1% QoQ
 -0.9% 0.8%
+15.5% YoY
 0.1%
-83.6% YoY
 0.7%
+273.4% YoY
 Bottom 6.1% in tier
NIM 2.8%
-8.5% YoY-3.8% QoQ
 -0.8% 3.6%
+6.9% YoY
 3.6%
+4.1% YoY
 3.7%
+5.0% YoY
 Bottom 11.3% in tier
Efficiency Ratio 87.9%
-7.9% YoY-0.5% QoQ
 +10.6% 77.3%
-3.0% YoY
 96.2%
+5.7% YoY
 79.1%
-3.3% YoY
 Top 15.3% in tier
Delinquency Rate 0.4%
-40.7% YoY-10.2% QoQ
 -0.5 0.9%
+7.6% YoY
 2.3%
+52.4% YoY
 1.2%
-0.9% YoY
 Bottom 23.8% in tier
Loan To Share 87.9%
-8.7% YoY-4.3% QoQ
 +15.2% 72.7%
-1.5% YoY
 61.8%
-0.7% YoY
 68.0%
-1.7% YoY
 Top 19.5% in tier
AMR $25,927
+2.7% YoY+1.5% QoQ
 +$2K $24,363
+2.9% YoY
 $22,611
+4.7% YoY
 $19,418
+1.3% YoY
 69th in tier
CD Concentration 17.5%
+23.7% YoY+3.2% QoQ
 -6.9% 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 (3)

Relationship Depth Leader

growth
#404 of 1006 • Top 14.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.72%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Leader

growth
#237 of 430 • Top 17.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.19%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Wallet Share Momentum

growth
#751 of 1006 • Top 27.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.72%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (1)

Efficiency Drag

risk
#158 of 521 • Bottom 8.9% in tier

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

Why This Signature
Efficiency Ratio: 87.86%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.14% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 2.19%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
15
Fee Income Per Member
profitability
Value: $424.44
Peer Avg: $174.31
#15 of 1077 Top 1.3% in 100M-500M tier
118
Asset Growth Rate
growth
Value: 10.13%
Peer Avg: 4.70%
#118 of 1077 Top 10.9% in 100M-500M tier
132
Deposit Growth Rate
growth
Value: 9.67%
Peer Avg: 4.69%
#132 of 1077 Top 12.2% in 100M-500M tier
210
Loan-to-Share Ratio
balance_sheet
Value: 87.86%
Peer Avg: 72.70%
#210 of 1077 Top 19.4% in 100M-500M tier
249
Loan-to-Member Ratio (LMR)
engagement
Value: $12,126
Peer Avg: $10,245
#249 of 1077 Top 23.0% in 100M-500M tier
257
Total Delinquency Rate (60+ days)
risk
Value: 0.37%
Peer Avg: 0.86%
#257 of 1077 Top 23.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1045
Members Per Employee (MPE)
engagement
Value: 189.511
Peer Avg: 332.881
#1045 of 1077 Bottom 3.1% in 100M-500M tier
1011
Return on Assets (ROA)
profitability
Value: -0.10%
Peer Avg: 0.79%
#1011 of 1077 Bottom 6.2% in 100M-500M tier
955
Net Interest Margin (NIM)
profitability
Value: 2.76%
Peer Avg: 3.58%
#955 of 1077 Bottom 11.4% in 100M-500M tier
930
Net Worth Ratio
risk
Value: 9.07%
Peer Avg: 12.15%
#930 of 1077 Bottom 13.7% in 100M-500M tier
913
Efficiency Ratio
profitability
Value: 87.86%
Peer Avg: 77.28%
#913 of 1077 Bottom 15.3% in 100M-500M tier
911
First Mortgage Concentration (%)
balance_sheet
Value: 48.14%
Peer Avg: 30.43%
#911 of 1077 Bottom 15.5% in 100M-500M tier
866
Total Members
engagement
Value: 8,528
Peer Avg: 15,628
#866 of 1077 Bottom 19.7% in 100M-500M tier
818
Total Deposits
balance_sheet
Value: $117.70M
Peer Avg: $200.29M
#818 of 1077 Bottom 24.1% in 100M-500M tier