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BlastPoint's Credit Union Scorecard

GOVERNMENT PRINTING OFFICE

Charter #538 · DC

<100M
2437 CUs in <100M nationally 17 in DC

GOVERNMENT PRINTING OFFICE has 1 strength but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.32% above tier average

Key Concerns

Areas that may need attention

  • - ROA 1.40% below tier average
  • - Efficiency ratio 4.56% above tier (higher cost structure)
  • - Member decline: -4.1% YoY
  • - Net Worth Ratio: Bottom 8.0% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 17 that size in D.C..
  • Shares and deposits +0.6% year over year ($26.7M in shares and deposits).
  • Membership: 3,882 members, -4.1% vs a year ago.
  • Delinquency rate 0.75%.
  • Return on assets 0.09%.
  • Efficiency ratio 93.33% vs a 88.77% peer average.
  • Loan-to-share ratio 51.32% vs a 58.89% 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 3,882
-4.1% YoY-2.6% QoQ
+1.3K 2,585
-1.7% YoY
11,304
+3.6% YoY
34,678
+6.6% YoY
78%
Assets $29.3M
+0.6% YoY-2.2% QoQ
$-1.0M $30.3M
+1.5% YoY
$419.5M
+5.8% YoY
$593.1M
+10.2% YoY
58%
Loans $13.7M
-10.1% YoY-2.3% QoQ
$-1.8M $15.5M
-1.7% YoY
$248.4M
+4.8% YoY
$418.6M
+10.1% YoY
60%
Deposits $26.7M
+0.6% YoY-0.3% QoQ
+$883K $25.8M
+1.1% YoY
$364.6M
+5.5% YoY
$504.8M
+10.3% YoY
61%

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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 0.1%
-86.5% YoY-144.1% QoQ
-1.4% 1.5%
+241.5% YoY
1.0%
-30.4% YoY
1.2%
+121.4% YoY
Bottom 5.9% in tier
NIM 4.2%
+5.4% YoY+4.8% QoQ
+0.3% 3.9%
+0.9% YoY
3.6%
-0.1% YoY
3.8%
+2.3% YoY
66%
Efficiency Ratio 93.3%
+4.0% YoY-3.6% QoQ
+4.6% 88.8%
-6.9% YoY
84.8%
+17.5% YoY
83.0%
-5.3% YoY
78%
Delinquency Rate 0.7%
+35.0% YoY+12.3% QoQ
-0.8 1.5%
+2.1% YoY
2.7%
+26.2% YoY
1.3%
+2.6% YoY
52%
Loan To Share 51.3%
-10.7% YoY-2.0% QoQ
-7.6% 58.9%
-3.1% YoY
60.8%
-1.7% YoY
66.4%
-1.4% YoY
38%
AMR $10,402
+0.8% YoY+1.7% QoQ
$-5K $14,963
-6.8% YoY
$22,625
-0.7% YoY
$20,028
-0.9% YoY
30%
CD Concentration 11.0%
+5.2% YoY+4.4% QoQ
-13.6% 24.6% 15.9% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 0.2% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2437 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2437 Top 0.1% in <100M tier
382
Members Per Employee (MPE)
engagement
Value: 485.250
Peer Median: 328.333
#382 of 2437 Top 15.6% in <100M tier
540
Total Members
engagement
Value: 3,882
Peer Median: 1,902
#540 of 2437 Top 22.1% in <100M tier
542
Fee Income Per Member
profitability
Value: $122.19
Peer Median: $63.89
#542 of 2437 Top 22.2% in <100M tier

Top Weaknesses (7 metrics)

2294
Return on Assets (ROA)
profitability
Value: 0.09%
Peer Median: 0.81%
#2294 of 2437 Bottom 5.9% in <100M tier
2244
Net Worth Ratio
risk
Value: 8.72%
Peer Median: 14.28%
#2244 of 2437 Bottom 8.0% in <100M tier
2005
Net Charge-Off Rate
risk
Value: 0.82%
Peer Median: 0.18%
#2005 of 2437 Bottom 17.8% in <100M tier
1996
First Mortgage Concentration (%)
balance_sheet
Value: 32.92%
Peer Median: 3.59%
#1996 of 2437 Bottom 18.1% in <100M tier
1897
Efficiency Ratio
profitability
Value: 93.33%
Peer Median: 80.65%
#1897 of 2437 Bottom 22.2% in <100M tier
1889
Loan Growth Rate
growth
Value: -10.12%
Peer Median: -2.63%
#1889 of 2437 Bottom 22.5% in <100M tier
1875
Member Growth Rate
growth
Value: -4.05%
Peer Median: -1.37%
#1875 of 2437 Bottom 23.1% in <100M tier
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