BlastPoint's Credit Union Scorecard

BANK FUND STAFF

Charter #5582 · DC

Large 5B-7B
35 CUs in 5B-7B nationally 1 in DC
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BANK FUND STAFF has 9 strengths but faces 7 concerns

National Analysis

How does the industry compare?
Large Tier

What's your peer group doing?
DC Analysis

How does DC stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 52.8% in tier
  • + Organic Growth Leader: Top 75.0% in tier
  • + Relationship Depth Leader: Top 100.0% in tier
  • + Net Charge-Off Rate: Top 0.0% in tier
  • + Total Assets: Top 0.0% in tier
  • + Total Deposits: 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

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 44.4% in tier
  • - Credit Risk Growth: Bottom 76.7% in tier
  • - ROA 0.01% below tier average
  • - First Mortgage Concentration (%): Bottom 2.9% in tier
  • - Total Members: Bottom 2.9% in tier
  • - Net Interest Margin (NIM): Bottom 8.6% in tier
  • - Loan-to-Share Ratio: Bottom 8.6% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (DC) National Avg Tier Percentile
Members 103,579
+2.4% YoY-0.5% QoQ
 -188.8K 292,342
-2.4% YoY
 11,054
+4.8% YoY
 33,374
+5.7% YoY
 Bottom 0.0% in tier
Assets $7.0B
+6.9% YoY+2.9% QoQ
 +$1.2B $5.7B
-0.2% YoY
 $405.8M
+7.7% YoY
 $561.6M
+9.7% YoY
 Top 2.9% in tier
Loans $3.8B
+2.0% YoY+1.8% QoQ
 $-389.2M $4.2B
-1.6% YoY
 $240.1M
+3.9% YoY
 $397.0M
+8.8% YoY
 29%
Deposits $6.0B
+5.5% YoY+2.9% QoQ
 +$1.2B $4.8B
+0.4% YoY
 $353.5M
+6.9% YoY
 $477.3M
+9.7% YoY
 Top 2.9% in tier

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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 0.8%
+2.6% YoY+3.8% QoQ
 -0.0% 0.8%
+27.9% YoY
 -0.0%
-109.0% YoY
 0.7%
+15.9% YoY
 51%
NIM 2.2%
+7.1% YoY+0.7% QoQ
 -0.8% 3.0%
+8.0% YoY
 3.6%
+2.8% YoY
 3.8%
+5.1% YoY
 Bottom 5.7% in tier
Efficiency Ratio 66.5%
-0.7% YoY-0.9% QoQ
 -0.8% 67.3%
-3.7% YoY
 96.5%
+10.4% YoY
 79.7%
-3.3% YoY
 43%
Delinquency Rate 0.4%
+31.8% YoY+6.3% QoQ
 -0.4 0.8%
+17.5% YoY
 2.4%
+56.5% YoY
 1.3%
-2.1% YoY
 17%
Loan To Share 62.7%
-3.3% YoY-1.0% QoQ
 -23.2% 85.9%
-2.6% YoY
 62.1%
-3.1% YoY
 67.4%
-1.7% YoY
 Bottom 5.7% in tier
AMR $94,614
+1.6% YoY+3.0% QoQ
 +$60K $34,289
+3.5% YoY
 $22,531
+2.7% YoY
 $19,687
+2.0% YoY
 Top 2.9% in tier
CD Concentration 30.5%
+7.3% YoY-0.5% QoQ
 +1.4% 29.1% 15.9% 19.8% 57%
Indirect Auto % 0.0% -17.1% 17.1% 0.1% 7.8% Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#29 of 54 • Top 52.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.44%
(Tier: 4.35%, National: 4.32%)
but worse than tier avg
Return on Assets: 0.81%
(Tier: 0.90%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 17.09%, National: 7.78%)
better than tier avg
54 of 68 Large CUs have this signature | 913 nationally
→ No prior data (54 CUs now) | New qualifier

Organic Growth Leader

growth
#22 of 29 • Top 75.0% in tier

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

Why This Signature
Member Growth (YoY): 2.44%
(Tier: 4.35%, National: 4.32%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 17.09%, National: 7.78%)
better than tier avg
29 of 68 Large CUs have this signature | 609 nationally
→ No prior data (29 CUs now) | New qualifier

Relationship Depth Leader

growth
#15 of 15 • Top 100.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature
AMR Growth (YoY): 1.64%
(Tier: 3.92%, National: 4.00%)
but worse than tier avg
Share Draft per Member: $14.1K
(Tier: $3.3K, National: $2.0K)
better than tier avg
15 of 68 Large CUs have this signature | 351 nationally
↑ Growing +6 CUs YoY | New qualifier

Concerns (2)

Credit Quality Pressure

risk
#17 of 37 • Bottom 44.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.09% points
(Tier: 0.04% points, National: 0.06% points)
worse than tier avg
37 of 68 Large CUs have this signature | 969 nationally
→ Stable (41→37 CUs) -4 CUs YoY | Rank improving

Credit Risk Growth

risk
#24 of 31 • Bottom 76.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 2.02%
(Tier: 6.96%, National: 111.96%)
worse than tier avg
Delinquency Change (YoY): 0.09% points
(Tier: 0.04% points, National: 0.06% points)
worse than tier avg
31 of 68 Large CUs have this signature | 665 nationally
→ No prior data (31 CUs now) | 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 35 peers in tier

Top Strengths (8 metrics)

1
Net Charge-Off Rate
risk
Value: 0.07%
Peer Median: -
#1 of 35 Top 0.0% in 5B-7B tier
1
Total Assets
balance_sheet
Value: $6.98B
Peer Median: -
#1 of 35 Top 0.0% in 5B-7B tier
1
Total Deposits
balance_sheet
Value: $6.02B
Peer Median: -
#1 of 35 Top 0.0% in 5B-7B tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 35 Top 0.0% in 5B-7B tier
1
Average Member Relationship (AMR)
engagement
Value: $94,614
Peer Median: -
#1 of 35 Top 0.0% in 5B-7B tier
1
Loan-to-Member Ratio (LMR)
engagement
Value: $36,455
Peer Median: -
#1 of 35 Top 0.0% in 5B-7B tier
5
Net Worth Ratio
risk
Value: 13.28%
Peer Median: -
#5 of 35 Top 11.4% in 5B-7B tier
7
Total Delinquency Rate (60+ days)
risk
Value: 0.39%
Peer Median: -
#7 of 35 Top 17.1% in 5B-7B tier

Top Weaknesses (5 metrics)

35
First Mortgage Concentration (%)
balance_sheet
Value: 85.07%
Peer Median: -
#35 of 35 Bottom 2.9% in 5B-7B tier
35
Total Members
engagement
Value: 103,579
Peer Median: -
#35 of 35 Bottom 2.9% in 5B-7B tier
33
Net Interest Margin (NIM)
profitability
Value: 2.21%
Peer Median: -
#33 of 35 Bottom 8.6% in 5B-7B tier
33
Loan-to-Share Ratio
balance_sheet
Value: 62.68%
Peer Median: -
#33 of 35 Bottom 8.6% in 5B-7B tier
32
Members Per Employee (MPE)
engagement
Value: 295.940
Peer Median: -
#32 of 35 Bottom 11.4% in 5B-7B tier
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