BlastPoint's Credit Union Scorecard
MT GILEAD
Charter #6506 · DC
2596 CUs in <100M nationally
18 in DC
MT GILEAD has 9 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.52% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 6.9% in tier
- + Deposit Growth Rate: Top 7.4% in tier
- + Asset Growth Rate: Top 8.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.3% in tier
- - Total Members: Bottom 0.3% in tier
- - Total Deposits: Bottom 0.5% in tier
- - Total Loans: Bottom 1.4% in tier
- - Average Member Relationship (AMR): Bottom 2.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.0% in tier
- - Net Interest Margin (NIM): Bottom 5.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
52
-1.9% YoY+2.0% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 0.3% in tier |
| Assets |
$79,160
+10.2% YoY+2.1% QoQ
|
$-29.8M |
$29.9M
+1.1% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.3% in tier |
| Loans |
$21,483
-1.7% YoY+2.1% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.4% in tier |
| Deposits |
$65,657
+11.0% YoY+2.3% QoQ
|
$-25.4M |
$25.5M
+0.4% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.5% in tier |
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| ROA |
1.2%
+311.5% YoY-18.7% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
2.3%
+47.0% YoY-9.5% QoQ
|
-1.7% |
3.9%
+3.8% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.1% in tier |
| Efficiency Ratio |
51.3%
-40.0% YoY+8.0% QoQ
|
-30.1% |
81.4%
-2.4% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.9% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
32.7%
-11.4% YoY-0.2% QoQ
|
-28.5% |
61.2%
-3.0% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.2% in tier |
| AMR |
$1,676
+9.6% YoY+0.3% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
16.1%
+11.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.1%
-38.7% YoY
|
7.9%
-2.9% YoY
|
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 (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
179
Efficiency Ratio
profitability
Value:
51.31%
Peer Avg: -
#179 of 2596
Top 6.9% in <100M tier
194
Deposit Growth Rate
growth
Value:
10.97%
Peer Avg: -
#194 of 2596
Top 7.4% in <100M tier
213
Asset Growth Rate
growth
Value:
10.18%
Peer Avg: -
#213 of 2596
Top 8.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
265
AMR Growth Rate
growth
Value:
9.62%
Peer Avg: -
#265 of 2596
Top 10.2% in <100M tier
Top Weaknesses (10 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2589
Total Assets
balance_sheet
Value:
$79,160
Peer Avg: -
#2589 of 2596
Bottom 0.3% in <100M tier
2588
Total Members
engagement
Value:
52
Peer Avg: -
#2588 of 2596
Bottom 0.3% in <100M tier
2584
Total Deposits
balance_sheet
Value:
$65,657
Peer Avg: -
#2584 of 2596
Bottom 0.5% in <100M tier
2560
Total Loans
balance_sheet
Value:
$21,483
Peer Avg: -
#2560 of 2596
Bottom 1.4% in <100M tier
2540
Average Member Relationship (AMR)
engagement
Value:
$1,676
Peer Avg: -
#2540 of 2596
Bottom 2.2% in <100M tier
2519
Loan-to-Member Ratio (LMR)
engagement
Value:
$413.13
Peer Avg: -
#2519 of 2596
Bottom 3.0% in <100M tier
2464
Net Interest Margin (NIM)
profitability
Value:
2.26%
Peer Avg: -
#2464 of 2596
Bottom 5.1% in <100M tier
2294
Fee Income Per Member
profitability
Value:
$3.08
Peer Avg: -
#2294 of 2596
Bottom 11.7% in <100M tier
2276
Loan-to-Share Ratio
balance_sheet
Value:
32.72%
Peer Avg: -
#2276 of 2596
Bottom 12.4% in <100M tier