BlastPoint's Credit Union Scorecard

BANK FUND STAFF

Charter #5582 · DC

Large 7B-10B

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

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BANK FUND STAFF has 6 strengths but faces 4 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 54.7% in tier
+ Organic Growth Engine: Top 62.5% in tier
+ Organic Growth Leader: Top 62.5% in tier
+ Net Charge-Off Rate: Top 3.4% in tier
+ Average Member Relationship (AMR): Top 3.4% in tier
+ Loan-to-Member Ratio (LMR): Top 3.4% in tier

Key Concerns

Areas that may need attention

- Total Assets: Bottom 3.4% in tier
- Total Deposits: Bottom 3.4% in tier
- First Mortgage Concentration (%): Bottom 3.4% in tier
- Total Members: Bottom 3.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	104,247 +2.0% YoY+0.6% QoQ	-332.6K	436,889 -2.3% YoY	11,106 +1.6% YoY	33,913 +5.7% YoY	Bottom 0.1% in tier
Assets	$7.1B +5.9% YoY+1.1% QoQ	$-1.8B	$8.9B -0.1% YoY	$410.2M +3.1% YoY	$578.3M +9.0% YoY	Bottom 0.1% in tier
Loans	$3.8B +2.5% YoY+0.4% QoQ	$-2.4B	$6.1B -1.1% YoY	$239.7M +1.2% YoY	$402.4M +8.7% YoY	Bottom 6.9% in tier
Deposits	$6.1B +5.0% YoY+1.2% QoQ	$-1.6B	$7.7B +1.8% YoY	$357.7M +2.6% YoY	$494.3M +9.1% 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

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ROA	0.9% +32.7% YoY+16.6% QoQ	+0.0%	0.9% +16.3% YoY	-0.4% -168.3% YoY	0.4% -39.2% YoY	55%
NIM	2.4% +13.3% YoY+9.4% QoQ	-0.6%	3.1% +6.3% YoY	3.5% +3.4% YoY	3.8% +4.1% YoY	Bottom 10.3% in tier
Efficiency Ratio	62.5% -11.4% YoY-6.0% QoQ	-3.5%	66.1% -2.8% YoY	86.5% +9.1% YoY	84.6% +2.8% YoY	38%
Delinquency Rate	0.2% -1.0% YoY-37.2% QoQ	-0.4	0.6% +12.0% YoY	2.3% +3.6% YoY	1.2% +3.4% YoY	Top 13.8% in tier
Loan To Share	62.2% -2.4% YoY-0.8% QoQ	-18.2%	80.4% -3.4% YoY	60.4% -2.3% YoY	65.6% -1.4% YoY	Bottom 10.3% in tier
AMR	$94,860 +2.0% YoY+0.3% QoQ	+$58K	$37,056 +6.8% YoY	$22,450 -2.0% YoY	$19,920 +1.6% YoY	Top 6.9% in tier
CD Concentration	30.7% +5.2% YoY+0.4% QoQ	+2.0%	28.6%	15.4%	19.8%	59%
Indirect Auto %	0.0%	-16.4%	16.4%	0.1%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#9 of 22 • Top 62.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.99%

(Tier: 4.32%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.95%

(Tier: 0.90%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 16.37%, National: 7.73%)

better than tier avg

22 of 66 Large CUs have this signature | 499 nationally

→ No prior data (22 CUs now) | New qualifier

Organic Growth Leader

growth

#16 of 22 • Top 62.5% in tier

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

Why This Signature

Member Growth (YoY): 1.99%

(Tier: 4.32%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 16.37%, National: 7.73%)

better than tier avg

22 of 66 Large CUs have this signature | 518 nationally

→ No prior data (22 CUs now) | New qualifier

Relationship Depth Leader

growth

#16 of 16 • Top 54.7% 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): 1.99%

(Tier: 4.10%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $14.5K

(Tier: $3.4K, National: $2.1K)

better than tier avg

16 of 66 Large CUs have this signature | 342 nationally

→ Stable (11→16 CUs) +5 CUs YoY | New qualifier

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)

Compare against:

Comparing against 29 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 17.02%

#1 of 29 Top 0.1% in 7B-10B tier

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.45%

#2 of 29 Top 3.4% in 7B-10B tier

Average Member Relationship (AMR)

engagement

Value: $94,860

Peer Median: $30,591

#2 of 29 Top 3.4% in 7B-10B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $36,362

Peer Median: $13,058

#2 of 29 Top 3.4% in 7B-10B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Median: 0.62%

#5 of 29 Top 13.8% in 7B-10B tier

Net Worth Ratio

risk

Value: 13.36%

Peer Median: 11.34%

#7 of 29 Top 20.7% in 7B-10B tier

Top Weaknesses (8 metrics)

Total Assets

balance_sheet

Value: $7.06B

Peer Median: $9.14B

#29 of 29 Bottom 3.4% in 7B-10B tier

Total Deposits

balance_sheet

Value: $6.10B

Peer Median: $7.73B

#29 of 29 Bottom 3.4% in 7B-10B tier

First Mortgage Concentration (%)

balance_sheet

Value: 85.23%

Peer Median: 37.49%

#29 of 29 Bottom 3.4% in 7B-10B tier

Total Members

engagement

Value: 104,247

Peer Median: 421,142

#29 of 29 Bottom 3.4% in 7B-10B tier

Total Loans

balance_sheet

Value: $3.79B

Peer Median: $6.40B

#27 of 29 Bottom 10.3% in 7B-10B tier

Net Interest Margin (NIM)

profitability

Value: 2.42%

Peer Median: 3.05%

#26 of 29 Bottom 13.8% in 7B-10B tier

Loan-to-Share Ratio

balance_sheet

Value: 62.16%

Peer Median: 82.39%

#26 of 29 Bottom 13.8% in 7B-10B tier

Members Per Employee (MPE)

engagement

Value: 296.156

Peer Median: 401.853

#26 of 29 Bottom 13.8% in 7B-10B tier