BlastPoint's Credit Union Scorecard

DEPT OF LABOR

Charter #4963 · DC

100M-500M

1070 CUs in 100M-500M nationally 7 in DC

DEPT OF LABOR has 1 strength but faces 5 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

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 1.60% below tier average
- Efficiency ratio 44.43% above tier (higher cost structure)
- Net Worth Ratio: Bottom 2.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	8,679 +2.2% YoY+0.3% QoQ	-6.5K	15,145 -2.5% YoY	11,106 +1.6% YoY	33,913 +5.7% YoY	22%
Assets	$140.0M +1.8% YoY-3.7% QoQ	$-91.7M	$231.7M +0.8% YoY	$410.2M +3.1% YoY	$578.3M +9.0% YoY	26%
Loans	$101.9M -2.9% YoY-1.2% QoQ	$-42.2M	$144.1M +0.2% YoY	$239.7M +1.2% YoY	$402.4M +8.7% YoY	38%
Deposits	$117.5M +3.3% YoY-1.1% QoQ	$-83.7M	$201.1M +0.4% YoY	$357.7M +2.6% YoY	$494.3M +9.1% YoY	22%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-0.9% -797.2% YoY-38.4% QoQ	-1.6%	0.7% +5.1% YoY	-0.4% -168.3% YoY	0.4% -39.2% YoY	Bottom 1.6% in tier
NIM	2.9% -1.6% YoY+6.3% QoQ	-0.8%	3.6% +4.6% YoY	3.5% +3.4% YoY	3.8% +4.1% YoY	Bottom 10.3% in tier
Efficiency Ratio	122.5% +52.3% YoY+0.2% QoQ	+44.4%	78.0% -1.7% YoY	86.5% +9.1% YoY	84.6% +2.8% YoY	Bottom 0.6% in tier
Delinquency Rate	0.3% -7.7% YoY-49.3% QoQ	-0.4	0.8% +7.1% YoY	2.3% +3.6% YoY	1.2% +3.4% YoY	25%
Loan To Share	86.8% -5.9% YoY-0.2% QoQ	+16.3%	70.4% -0.4% YoY	60.4% -2.3% YoY	65.6% -1.4% YoY	82%
AMR	$25,274 -1.8% YoY-1.5% QoQ	+$356	$24,918 +2.7% YoY	$22,450 -2.0% YoY	$19,920 +1.6% YoY	63%
CD Concentration	14.5% -13.7% YoY-8.0% QoQ	-9.8%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	0.1%	7.7%	50%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth

#212 of 371 • 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): 2.19%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (2)

Efficiency Drag

risk

#182 of 596 • 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: 122.45%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -1.00% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 2.19%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#158 of 238 • 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): -1.83%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 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 1070 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

187

Loan-to-Share Ratio

balance_sheet

Value: 86.76%

Peer Median: 71.88%

#187 of 1070 Top 17.4% in 100M-500M tier

221

Share Certificate Concentration (%)

balance_sheet

Value: 14.49%

Peer Median: 23.10%

#221 of 1070 Top 20.6% in 100M-500M tier

265

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: 0.61%

#265 of 1070 Top 24.7% in 100M-500M tier

Top Weaknesses (10 metrics)

1065

Efficiency Ratio

profitability

Value: 122.45%

Peer Median: 78.68%

#1065 of 1070 Bottom 0.6% in 100M-500M tier

1053

Return on Assets (ROA)

profitability

Value: -0.88%

Peer Median: 0.69%

#1053 of 1070 Bottom 1.7% in 100M-500M tier

1040

Net Worth Ratio

risk

Value: 7.86%

Peer Median: 11.45%

#1040 of 1070 Bottom 2.9% in 100M-500M tier

960

Net Interest Margin (NIM)

profitability

Value: 2.86%

Peer Median: 3.62%

#960 of 1070 Bottom 10.4% in 100M-500M tier

941

AMR Growth Rate

growth

Value: -1.83%

Peer Median: 3.46%

#941 of 1070 Bottom 12.1% in 100M-500M tier

922

First Mortgage Concentration (%)

balance_sheet

Value: 50.27%

Peer Median: 29.47%

#922 of 1070 Bottom 13.9% in 100M-500M tier

902

Members Per Employee (MPE)

engagement

Value: 241.083

Peer Median: 309.176

#902 of 1070 Bottom 15.8% in 100M-500M tier

879

Loan Growth Rate

growth

Value: -2.86%

Peer Median: 2.93%

#879 of 1070 Bottom 17.9% in 100M-500M tier

831

Total Members

engagement

Value: 8,679

Peer Median: 13,200

#831 of 1070 Bottom 22.4% in 100M-500M tier

830

Total Deposits

balance_sheet

Value: $117.46M

Peer Median: $171.29M

#830 of 1070 Bottom 22.5% in 100M-500M tier