BlastPoint's Credit Union Scorecard
DEPT OF LABOR
Charter #4963 · DC
DEPT OF LABOR has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 17.9% in tier
- + Credit Quality Leader: Top 93.2% 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
|
20% |
| 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
|
29% |
| 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
|
36% |
| 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
|
24% |
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| 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
|
85% |
| 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
|
24% |
| 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
|
80% |
| 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
|
69% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.1%
-38.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)