BlastPoint's Credit Union Scorecard
MT GILEAD
Charter #6506 · DC
2556 CUs in <100M nationally
18 in DC
MT GILEAD has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% 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
- + Net Charge-Off Rate: Top 8.1% 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 0.4% in tier
- - Total Deposits: Bottom 0.5% in tier
- - Total Loans: Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 2.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.5% in tier
- - Net Interest Margin (NIM): Bottom 4.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51
0% YoY-1.9% QoQ
|
-2.6K |
2,615
-1.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
Bottom 0.3% in tier |
| Assets |
$76,680
+4.9% YoY-3.1% QoQ
|
$-30.1M |
$30.1M
+2.1% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.3% in tier |
| Loans |
$19,836
-3.2% YoY-7.7% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.3% in tier |
| Deposits |
$63,013
+4.5% YoY-4.0% QoQ
|
$-25.6M |
$25.7M
+1.4% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.4% in tier |
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| ROA |
0.9%
+138.0% YoY-23.5% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
2.1%
+19.5% YoY-7.9% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.3% in tier |
| Efficiency Ratio |
60.5%
-26.1% YoY+18.0% QoQ
|
-22.0% |
82.6%
-2.3% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.2% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
31.5%
-7.3% YoY-3.8% QoQ
|
-29.1% |
60.6%
-3.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.2% in tier |
| AMR |
$1,624
+2.5% YoY-3.1% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.0% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.8% | 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 (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
313
Efficiency Ratio
profitability
Value:
60.53%
Peer Median: -
#313 of 2556
Top 12.2% in <100M tier
Top Weaknesses (10 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2549
Total Assets
balance_sheet
Value:
$76,680
Peer Median: -
#2549 of 2556
Bottom 0.3% in <100M tier
2548
Total Members
engagement
Value:
51
Peer Median: -
#2548 of 2556
Bottom 0.4% in <100M tier
2545
Total Deposits
balance_sheet
Value:
$63,013
Peer Median: -
#2545 of 2556
Bottom 0.5% in <100M tier
2523
Total Loans
balance_sheet
Value:
$19,836
Peer Median: -
#2523 of 2556
Bottom 1.3% in <100M tier
2506
Average Member Relationship (AMR)
engagement
Value:
$1,624
Peer Median: -
#2506 of 2556
Bottom 2.0% in <100M tier
2492
Loan-to-Member Ratio (LMR)
engagement
Value:
$388.94
Peer Median: -
#2492 of 2556
Bottom 2.5% in <100M tier
2447
Net Interest Margin (NIM)
profitability
Value:
2.08%
Peer Median: -
#2447 of 2556
Bottom 4.3% in <100M tier
2267
Loan-to-Share Ratio
balance_sheet
Value:
31.48%
Peer Median: -
#2267 of 2556
Bottom 11.3% in <100M tier
2253
Fee Income Per Member
profitability
Value:
$3.73
Peer Median: -
#2253 of 2556
Bottom 11.9% in <100M tier