BlastPoint's Credit Union Scorecard
D C FIRE DEPARTMENT
Charter #6088 · DC
<100M
2508 CUs in <100M nationally
18 in DC
D C FIRE DEPARTMENT has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.50% above tier average
- + Net Interest Margin 2.98% above tier average
- + Net Worth Ratio: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.23% above tier (higher cost structure)
- - Delinquency rate 2.35% above tier average
- - Deposit Growth Rate: Bottom 4.4% in tier
- - Asset Growth Rate: Bottom 6.8% in tier
- - Average Member Relationship (AMR): Bottom 7.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.1% in tier
- - Fee Income Per Member: Bottom 9.4% in tier
- - AMR Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,720
+1.1% YoY0% QoQ
|
-956 |
2,676
+1.6% YoY
|
11,106
+1.6% YoY
|
33,913
+5.7% YoY
|
45% |
| Assets |
$6.4M
-8.5% YoY-1.2% QoQ
|
$-23.7M |
$30.2M
+1.3% YoY
|
$410.2M
+3.1% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$3.0M
+2.2% YoY+0.4% QoQ
|
$-12.2M |
$15.3M
-2.0% YoY
|
$239.7M
+1.2% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$4.8M
-12.4% YoY-2.0% QoQ
|
$-21.0M |
$25.8M
+0.7% YoY
|
$357.7M
+2.6% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
0.6%
-129.9% YoY+54.7% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
-0.4%
-168.3% YoY
|
0.4%
-39.2% YoY
|
52% |
| NIM |
7.0%
+3.2% YoY-8.9% QoQ
|
+3.0% |
4.0%
+4.0% YoY
|
3.5%
+3.4% YoY
|
3.8%
+4.1% YoY
|
Top 1.3% in tier |
| Efficiency Ratio |
90.9%
+16.6% YoY+22.2% QoQ
|
+0.2% |
90.6%
+6.5% YoY
|
86.5%
+9.1% YoY
|
84.6%
+2.8% YoY
|
70% |
| Delinquency Rate |
3.9%
-36.9% YoY-50.5% QoQ
|
+2.4 |
1.5%
+3.8% YoY
|
2.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.1% in tier |
| Loan To Share |
63.5%
+16.7% YoY+2.4% QoQ
|
+5.0% |
58.5%
-3.0% YoY
|
60.4%
-2.3% YoY
|
65.6%
-1.4% YoY
|
57% |
| AMR |
$4,559
-8.3% YoY-1.0% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$22,450
-2.0% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.7% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
33
Net Interest Margin (NIM)
profitability
Value:
6.98%
Peer Median: 3.83%
#33 of 2508
Top 1.3% in <100M tier
251
Net Worth Ratio
risk
Value:
25.53%
Peer Median: 14.28%
#251 of 2508
Top 10.0% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
566
Member Growth Rate
growth
Value:
1.12%
Peer Median: -1.37%
#566 of 2508
Top 22.5% in <100M tier
Top Weaknesses (10 metrics)
2399
Deposit Growth Rate
growth
Value:
-12.42%
Peer Median: 0.66%
#2399 of 2508
Bottom 4.4% in <100M tier
2339
Asset Growth Rate
growth
Value:
-8.50%
Peer Median: 1.30%
#2339 of 2508
Bottom 6.8% in <100M tier
2314
Average Member Relationship (AMR)
engagement
Value:
$4,559
Peer Median: $13,926
#2314 of 2508
Bottom 7.8% in <100M tier
2305
Total Delinquency Rate (60+ days)
risk
Value:
3.86%
Peer Median: 0.65%
#2305 of 2508
Bottom 8.1% in <100M tier
2274
Fee Income Per Member
profitability
Value:
$1.54
Peer Median: $60.42
#2274 of 2508
Bottom 9.4% in <100M tier
2271
AMR Growth Rate
growth
Value:
-8.28%
Peer Median: 1.27%
#2271 of 2508
Bottom 9.5% in <100M tier
2231
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,771
Peer Median: $4,923
#2231 of 2508
Bottom 11.1% in <100M tier
1956
Total Deposits
balance_sheet
Value:
$4.80M
Peer Median: $18.77M
#1956 of 2508
Bottom 22.0% in <100M tier
1918
Total Assets
balance_sheet
Value:
$6.45M
Peer Median: $21.86M
#1918 of 2508
Bottom 23.6% in <100M tier
1894
Total Loans
balance_sheet
Value:
$3.05M
Peer Median: $9.48M
#1894 of 2508
Bottom 24.5% in <100M tier