BANK FUND STAFF

Charter #5582 | DC

5B-7B (34 CUs) Large (64 CUs)
1 5B-7B in DC

BANK FUND STAFF has 9 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 13.8% in tier
  • + Organic Growth Engine: Top 15.5% in tier
  • + Organic Growth Leader: Top 18.1% in tier
  • + Net Charge-Off Rate: Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Average Member Relationship (AMR): Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.0% in tier
  • + Total Assets: Top 5.9% in tier
  • + Total Deposits: Top 5.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 16.4% in tier
  • - Credit Quality Pressure: Bottom 18.8% in tier
  • - Margin Compression: Bottom 33.3% in tier
  • - ROA 0.02% below tier average
  • - First Mortgage Concentration (%): Bottom 2.9% in tier
  • - Total Members: Bottom 2.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (DC) National Avg Tier Percentile
Members 104,138
+3.2% YoY+1.0% QoQ
 -185.6K 289,724
-2.8% YoY
 10,992
+7.3% YoY
 33,089
+6.1% YoY
 Bottom 0.0% in tier
Assets $6.8B
+5.5% YoY+1.2% QoQ
 +$990.1M $5.8B
+0.2% YoY
 $397.3M
+10.3% YoY
 $547.7M
+7.8% YoY
 Top 8.8% in tier
Loans $3.7B
+0.3% YoY-0.1% QoQ
 $-374.6M $4.1B
-3.1% YoY
 $237.1M
+5.6% YoY
 $388.7M
+8.6% YoY
 32nd in tier
Deposits $5.9B
+4.9% YoY+1.0% QoQ
 +$967.1M $4.9B
+2.2% YoY
 $346.2M
+10.2% YoY
 $464.6M
+9.3% YoY
 Top 8.8% in tier
ROA 0.8%
-13.2% YoY+6.2% QoQ
 -0.0% 0.8%
+15.5% YoY
 0.1%
-83.6% YoY
 0.7%
+273.4% YoY
 50th in tier
NIM 2.2%
+5.5% YoY+2.0% QoQ
 -0.7% 2.9%
+3.9% YoY
 3.6%
+4.1% YoY
 3.7%
+5.0% YoY
 Bottom 8.8% in tier
Efficiency Ratio 67.2%
+5.4% YoY-2.5% QoQ
 -1.0% 68.1%
-1.7% YoY
 96.2%
+5.7% YoY
 79.1%
-3.3% YoY
 38th in tier
Delinquency Rate 0.4%
+11.2% YoY-10.2% QoQ
 -0.3 0.6%
-2.2% YoY
 2.3%
+52.4% YoY
 1.2%
-0.9% YoY
 Bottom 23.5% in tier
Loan To Share 63.3%
-4.4% YoY-1.0% QoQ
 -20.3% 83.6%
-5.7% YoY
 61.8%
-0.7% YoY
 68.0%
-1.7% YoY
 Bottom 8.8% in tier
AMR $91,833
-0.1% YoY-0.4% QoQ
 +$57K $34,398
+4.0% YoY
 $22,611
+4.7% YoY
 $19,418
+1.3% YoY
 Top 2.9% in tier
CD Concentration 30.7%
+9.9% YoY+2.8% QoQ
 +1.8% 28.9%
-1.3% YoY
 16.1%
+11.6% YoY
 19.6%
+6.2% YoY
 58th in tier
Indirect Auto % 0.0% -16.6% 16.6%
-10.3% YoY
 0.1%
-38.7% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#13 of 31 • Top 13.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.78%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 3.18%
(Tier: 3.07%, National: 9.37%)
better than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY | Rank worsening

Organic Growth Engine

growth
#24 of 50 • Top 15.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.18%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 0.78%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 16.60%, National: 7.90%)
better than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank worsening

Organic Growth Leader

growth
#16 of 28 • Top 18.1% in tier

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

Why This Signature
Member Growth (YoY): 3.18%
(Tier: 3.07%, National: 9.37%)
better than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs)

Concerns (3)

Liquidity Overhang

risk
#10 of 24 • Bottom 16.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.42%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 63.33%
(Tier: 84.48%, National: 67.96%)
worse than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#24 of 34 • Bottom 18.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.04% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | Rank improving

Margin Compression

decline
#8 of 8 • Bottom 33.3% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.78%
(Tier: 0.91%, National: 0.71%)
worse than tier avg
ROA Change (YoY): -0.12% points
(Tier: 0.13% points, National: 0.05% points)
worse than tier avg
Total Assets: $6.78B
(Tier: $5.79B, National: $547.69M)
but better than tier avg
8 of 64 Large CUs have this signature | 169 nationally
→ Stable (8→8 CUs) | New qualifier

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 34 peers in tier

Top Strengths (8 metrics)

1
Net Charge-Off Rate
risk
Value: 0.07%
Peer Avg: 0.57%
#1 of 34 Top 0.0% in 5B-7B tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.61%
#1 of 34 Top 0.0% in 5B-7B tier
1
Average Member Relationship (AMR)
engagement
Value: $91,833
Peer Avg: $34,398
#1 of 34 Top 0.0% in 5B-7B tier
1
Loan-to-Member Ratio (LMR)
engagement
Value: $35,607
Peer Avg: $15,308
#1 of 34 Top 0.0% in 5B-7B tier
3
Total Assets
balance_sheet
Value: $6.78B
Peer Avg: $5.79B
#3 of 34 Top 5.9% in 5B-7B tier
3
Total Deposits
balance_sheet
Value: $5.86B
Peer Avg: $4.89B
#3 of 34 Top 5.9% in 5B-7B tier
6
Net Worth Ratio
risk
Value: 13.42%
Peer Avg: 10.96%
#6 of 34 Top 14.7% in 5B-7B tier
9
Total Delinquency Rate (60+ days)
risk
Value: 0.37%
Peer Avg: 0.62%
#9 of 34 Top 23.5% in 5B-7B tier

Top Weaknesses (7 metrics)

34
First Mortgage Concentration (%)
balance_sheet
Value: 85.95%
Peer Avg: 37.88%
#34 of 34 Bottom 2.9% in 5B-7B tier
34
Total Members
engagement
Value: 104,138
Peer Avg: 289,725
#34 of 34 Bottom 2.9% in 5B-7B tier
31
Net Interest Margin (NIM)
profitability
Value: 2.20%
Peer Avg: 2.90%
#31 of 34 Bottom 11.8% in 5B-7B tier
31
Loan-to-Share Ratio
balance_sheet
Value: 63.33%
Peer Avg: 83.64%
#31 of 34 Bottom 11.8% in 5B-7B tier
30
Members Per Employee (MPE)
engagement
Value: 301.849
Peer Avg: 430.688
#30 of 34 Bottom 14.7% in 5B-7B tier
29
AMR Growth Rate
growth
Value: -0.08%
Peer Avg: 3.75%
#29 of 34 Bottom 17.6% in 5B-7B tier
28
Loan Growth Rate
growth
Value: 0.34%
Peer Avg: 5.95%
#28 of 34 Bottom 20.6% in 5B-7B tier