BlastPoint's Credit Union Scorecard

BANK FUND STAFF

Charter #5582 · DC

Large 7B-10B

28 CUs in 7B-10B nationally 1 in DC

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BANK FUND STAFF has 6 strengths but faces 6 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

+ Relationship Depth Leader: Top 59.4% in tier
+ Organic Growth Engine: Top 60.9% in tier
+ Organic Growth Leader: Top 60.9% in tier
+ Average Member Relationship (AMR): Top 3.6% in tier
+ Loan-to-Member Ratio (LMR): Top 3.6% in tier
+ Net Charge-Off Rate: Top 7.1% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 48.4% in tier
- Credit Risk Growth: Bottom 67.2% in tier
- Total Assets: Bottom 3.6% in tier
- Total Deposits: Bottom 3.6% in tier
- First Mortgage Concentration (%): Bottom 3.6% in tier
- Total Members: Bottom 3.6% 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 28 credit unions with $7B-$10B in assets nationally, and 1 of 1 that size in D.C..
Shares and deposits +4.9% year over year ($6.08B in shares and deposits).
Membership: 105,152 members, +2.0% vs a year ago.
Delinquency rate 0.42%.
Return on assets 1.02%.
Efficiency ratio 61.30% vs a 66.07% peer average.
Loan-to-share ratio 62.83% vs a 81.29% 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	105,152 +2.0% YoY+0.9% QoQ	-333.7K	438,885 -1.1% YoY	11,304 +3.6% YoY	34,678 +6.6% YoY	Bottom 0.1% in tier
Assets	$7.1B +5.3% YoY-0.0% QoQ	$-1.9B	$8.9B +0.0% YoY	$419.5M +5.8% YoY	$593.1M +10.2% YoY	Bottom 0.1% in tier
Loans	$3.8B +2.9% YoY+0.8% QoQ	$-2.4B	$6.2B -0.6% YoY	$248.4M +4.8% YoY	$418.6M +10.1% YoY	Bottom 7.1% in tier
Deposits	$6.1B +4.9% YoY-0.3% QoQ	$-1.6B	$7.7B +2.7% YoY	$364.6M +5.5% YoY	$504.8M +10.3% YoY	Bottom 0.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% +39.1% YoY+8.3% QoQ	+0.0%	1.0% +4.7% YoY	1.0% -30.4% YoY	1.2% +121.4% YoY	43%
NIM	2.5% +14.5% YoY+1.9% QoQ	-0.6%	3.1% +6.6% YoY	3.6% -0.1% YoY	3.8% +2.3% YoY	Bottom 10.7% in tier
Efficiency Ratio	61.3% -11.0% YoY-1.9% QoQ	-4.8%	66.1% +1.6% YoY	84.8% +17.5% YoY	83.0% -5.3% YoY	29%
Delinquency Rate	0.4% +4.1% YoY+73.7% QoQ	-0.4	0.8% +23.1% YoY	2.7% +26.2% YoY	1.3% +2.6% YoY	18%
Loan To Share	62.8% -1.8% YoY+1.1% QoQ	-18.5%	81.3% -3.8% YoY	60.8% -1.7% YoY	66.4% -1.4% YoY	Bottom 10.7% in tier
AMR	$94,158 +2.1% YoY-0.7% QoQ	+$57K	$37,279 +8.1% YoY	$22,625 -0.7% YoY	$20,028 -0.9% YoY	Top 7.1% in tier
CD Concentration	31.1% +4.2% YoY+1.4% QoQ	+2.8%	28.3%	15.9%	20.0%	59%
Indirect Auto %	0.0%	-16.8%	16.8%	0.2%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#12 of 22 • Top 60.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.98%

(Tier: 4.24%, National: 15.67%)

but worse than tier avg

Return on Assets: 1.02%

(Tier: 0.96%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 16.81%, National: 7.71%)

better than tier avg

22 of 67 Large CUs have this signature | 490 nationally

↓ Shrinking -25 CUs YoY | Rank improving

Organic Growth Leader

growth

#17 of 22 • Top 60.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.98%

(Tier: 4.24%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 16.81%, National: 7.71%)

better than tier avg

22 of 67 Large CUs have this signature | 485 nationally

→ Stable (27→22 CUs) -5 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#15 of 16 • Top 59.4% 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): 2.08%

(Tier: 4.16%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $13.9K

(Tier: $3.3K, National: $2.1K)

better than tier avg

16 of 67 Large CUs have this signature | 354 nationally

→ Stable (12→16 CUs) +4 CUs YoY | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#31 of 33 • Bottom 48.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.07% points, National: 0.08% points)

but better than tier avg

33 of 67 Large CUs have this signature | 962 nationally

→ Stable (37→33 CUs) -4 CUs YoY | Rank worsening

Credit Risk Growth

risk

#27 of 28 • Bottom 67.2% in tier

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

Why This Signature

Loan Growth (YoY): 2.94%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.07% points, National: 0.08% points)

but better than tier avg

28 of 67 Large CUs have this signature | 688 nationally

→ Stable (31→28 CUs) -3 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 28 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 15.88%

#1 of 28 Top 0.1% in 7B-10B tier

Average Member Relationship (AMR)

engagement

Value: $94,158

Peer Median: $31,495

#2 of 28 Top 3.6% in 7B-10B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $36,330

Peer Median: $13,051

#2 of 28 Top 3.6% in 7B-10B tier

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: 0.42%

#3 of 28 Top 7.1% in 7B-10B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.42%

Peer Median: 0.71%

#6 of 28 Top 17.9% in 7B-10B tier

Net Worth Ratio

risk

Value: 13.64%

Peer Median: 11.61%

#7 of 28 Top 21.4% in 7B-10B tier

Top Weaknesses (8 metrics)

Total Assets

balance_sheet

Value: $7.06B

Peer Median: $9.14B

#28 of 28 Bottom 3.6% in 7B-10B tier

Total Deposits

balance_sheet

Value: $6.08B

Peer Median: $7.79B

#28 of 28 Bottom 3.6% in 7B-10B tier

First Mortgage Concentration (%)

balance_sheet

Value: 85.23%

Peer Median: 37.58%

#28 of 28 Bottom 3.6% in 7B-10B tier

Total Members

engagement

Value: 105,152

Peer Median: 451,813

#28 of 28 Bottom 3.6% in 7B-10B tier

Total Loans

balance_sheet

Value: $3.82B

Peer Median: $6.60B

#26 of 28 Bottom 10.7% in 7B-10B tier

Net Interest Margin (NIM)

profitability

Value: 2.47%

Peer Median: 3.12%

#25 of 28 Bottom 14.3% in 7B-10B tier

Loan-to-Share Ratio

balance_sheet

Value: 62.83%

Peer Median: 83.58%

#25 of 28 Bottom 14.3% in 7B-10B tier

Members Per Employee (MPE)

engagement

Value: 292.089

Peer Median: 394.254

#25 of 28 Bottom 14.3% in 7B-10B tier