BlastPoint's Credit Union Scorecard

DEPT OF LABOR

Charter #4963 · DC

1069 CUs in 100M-500M nationally 7 in DC

DEPT OF LABOR has 2 strengths but faces 7 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 43.1% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 35.1% in tier
- Efficiency Drag: Bottom 41.3% in tier
- ROA 2.19% below tier average
- Efficiency ratio 45.19% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 2.6% in tier
- Net Worth Ratio: Bottom 2.8% in tier
- Net Interest Margin (NIM): Bottom 8.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	8,652 +3.0% YoY+1.5% QoQ	-6.8K	15,437 -2.9% YoY	11,054 +4.8% YoY	33,374 +5.7% YoY	21%
Assets	$145.4M +6.7% YoY-0.8% QoQ	$-86.4M	$231.9M +1.3% YoY	$405.8M +7.7% YoY	$561.6M +9.7% YoY	29%
Loans	$103.2M -1.1% YoY-0.2% QoQ	$-44.2M	$147.3M -0.1% YoY	$240.1M +3.9% YoY	$397.0M +8.8% YoY	37%
Deposits	$118.7M +8.4% YoY+0.9% QoQ	$-82.1M	$200.8M +0.8% YoY	$353.5M +6.9% YoY	$477.3M +9.7% YoY	24%

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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	-1.4% +1537.1% YoY+1280.2% QoQ	-2.2%	0.8% +18.2% YoY	-0.0% -109.0% YoY	0.7% +15.9% YoY	Bottom 0.8% in tier
NIM	2.7% -10.4% YoY-2.8% QoQ	-0.9%	3.6% +6.7% YoY	3.6% +2.8% YoY	3.8% +5.1% YoY	Bottom 8.8% in tier
Efficiency Ratio	122.2% +28.4% YoY+39.1% QoQ	+45.2%	77.0% -3.1% YoY	96.5% +10.4% YoY	79.7% -3.3% YoY	Top 0.6% in tier
Delinquency Rate	0.7% +84.7% YoY+77.3% QoQ	-0.2	0.9% +4.2% YoY	2.4% +56.5% YoY	1.3% -2.1% YoY	45%
Loan To Share	86.9% -8.8% YoY-1.1% QoQ	+14.7%	72.2% -1.1% YoY	62.1% -3.1% YoY	67.4% -1.7% YoY	78%
AMR	$25,648 +0.7% YoY-1.1% QoQ	+$972	$24,676 +3.4% YoY	$22,531 +2.7% YoY	$19,687 +2.0% YoY	66%
CD Concentration	15.7% -5.3% YoY-9.9% QoQ	-8.7%	24.4%	15.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	0.1%	7.8%	50%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth

#184 of 426 • Top 43.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.01%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#248 of 705 • Bottom 35.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.30% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Efficiency Drag

risk

#223 of 538 • Bottom 41.3% in tier

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

Why This Signature

Efficiency Ratio: 122.21%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -1.34% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 3.01%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

196

Deposit Growth Rate

growth

Value: 8.40%

Peer Median: -

#196 of 1069 Top 18.2% in 100M-500M tier

216

Member Growth Rate

growth

Value: 3.01%

Peer Median: -

#216 of 1069 Top 20.1% in 100M-500M tier

230

Loan-to-Share Ratio

balance_sheet

Value: 86.90%

Peer Median: -

#230 of 1069 Top 21.4% in 100M-500M tier

261

Share Certificate Concentration (%)

balance_sheet

Value: 15.74%

Peer Median: -

#261 of 1069 Top 24.3% in 100M-500M tier

268

Loan-to-Member Ratio (LMR)

engagement

Value: $11,925

Peer Median: -

#268 of 1069 Top 25.0% in 100M-500M tier

Top Weaknesses (9 metrics)

1064

Efficiency Ratio

profitability

Value: 122.21%

Peer Median: -

#1064 of 1069 Bottom 0.6% in 100M-500M tier

1060

Return on Assets (ROA)

profitability

Value: -1.42%

Peer Median: -

#1060 of 1069 Bottom 0.9% in 100M-500M tier

1042

Members Per Employee (MPE)

engagement

Value: 188.087

Peer Median: -

#1042 of 1069 Bottom 2.6% in 100M-500M tier

1040

Net Worth Ratio

risk

Value: 7.78%

Peer Median: -

#1040 of 1069 Bottom 2.8% in 100M-500M tier

975

Net Interest Margin (NIM)

profitability

Value: 2.69%

Peer Median: -

#975 of 1069 Bottom 8.9% in 100M-500M tier

911

First Mortgage Concentration (%)

balance_sheet

Value: 48.96%

Peer Median: -

#911 of 1069 Bottom 14.9% in 100M-500M tier

842

Total Members

engagement

Value: 8,652

Peer Median: -

#842 of 1069 Bottom 21.3% in 100M-500M tier

816

AMR Growth Rate

growth

Value: 0.72%

Peer Median: -

#816 of 1069 Bottom 23.8% in 100M-500M tier

811

Total Deposits

balance_sheet

Value: $118.73M

Peer Median: -

#811 of 1069 Bottom 24.2% in 100M-500M tier