BlastPoint's Credit Union Scorecard
BANK FUND STAFF
Charter #5582 · DC
BANK FUND STAFF has 9 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does DC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 15.5% in tier
- + Organic Growth Leader: Top 18.1% in tier
- + Emerging Performer: Top 60.0% 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
- - 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
|
32% |
| 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 |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| 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
|
50% |
| 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
|
38% |
| 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
|
24% |
| 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
|
58% |
| 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)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)