BlastPoint's Credit Union Scorecard
MT GILEAD
Charter #6506 · DC
MT GILEAD has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.88% above tier average
- + Efficiency Ratio: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 9.50% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.3% in tier
- - Total Deposits: Bottom 0.3% in tier
- - Total Members: Bottom 0.4% in tier
- - Total Loans: Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 1.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51
0% YoY0% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
11,106
+1.6% YoY
|
33,913
+5.7% YoY
|
Bottom 0.2% in tier |
| Assets |
$76,120
+0.0% YoY-0.7% QoQ
|
$-30.1M |
$30.2M
+1.3% YoY
|
$410.2M
+3.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.2% in tier |
| Loans |
$17,992
-23.2% YoY-9.3% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$239.7M
+1.2% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.2% in tier |
| Deposits |
$62,256
-1.1% YoY-1.2% QoQ
|
$-25.7M |
$25.8M
+0.7% YoY
|
$357.7M
+2.6% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.3% in tier |
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| ROA |
1.0%
-39.0% YoY+12.4% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
-0.4%
-168.3% YoY
|
0.4%
-39.2% YoY
|
70% |
| NIM |
2.1%
-20.2% YoY+2.2% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.5%
+3.4% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.3% in tier |
| Efficiency Ratio |
54.3%
+16.3% YoY-10.3% QoQ
|
-36.3% |
90.6%
+6.5% YoY
|
86.5%
+9.1% YoY
|
84.6%
+2.8% YoY
|
Top 7.1% in tier |
| Delinquency Rate | 11.0% | +9.5 |
1.5%
+3.8% YoY
|
2.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.2% in tier |
| Loan To Share |
28.9%
-22.3% YoY-8.2% QoQ
|
-29.6% |
58.5%
-3.0% YoY
|
60.4%
-2.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 10.4% in tier |
| AMR |
$1,573
-7.1% YoY-3.1% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$22,450
-2.0% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.9% 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)
Concerns (0)
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)