BlastPoint's Credit Union Scorecard
AFL CIO EMPLOYEES
Charter #7992 · DC
2556 CUs in <100M nationally
18 in DC
AFL CIO EMPLOYEES has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.33% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 7.0% in tier
- + Loan-to-Share Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.79% below tier average
- - Efficiency ratio 8.94% above tier (higher cost structure)
- - Delinquency rate 1.15% above tier average
- - First Mortgage Concentration (%): Bottom 7.7% in tier
- - AMR Growth Rate: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,431
+4.4% YoY-0.2% QoQ
|
+2.8K |
2,615
-1.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
Top 11.5% in tier |
| Assets |
$48.9M
-2.5% YoY-7.1% QoQ
|
+$18.8M |
$30.1M
+2.1% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$38.9M
-5.8% YoY-2.9% QoQ
|
+$23.1M |
$15.8M
-1.3% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
Top 11.3% in tier |
| Deposits |
$43.0M
-3.3% YoY-0.5% QoQ
|
+$17.4M |
$25.7M
+1.4% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
-0.2%
-153.6% YoY-803.0% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.0% in tier |
| NIM |
4.3%
+6.5% YoY-2.5% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
91.5%
+7.7% YoY+3.2% QoQ
|
+8.9% |
82.6%
-2.3% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
2.7%
-23.8% YoY+11.3% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
Top 14.8% in tier |
| Loan To Share |
90.3%
-2.6% YoY-2.4% QoQ
|
+29.7% |
60.6%
-3.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
Top 9.7% in tier |
| AMR |
$15,084
-8.6% YoY-1.4% QoQ
|
+$301 |
$14,783
-1.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
11.0%
+16.4% YoY+3.7% QoQ
|
-13.4% | 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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
181
Member Growth Rate
growth
Value:
4.42%
Peer Median: -
#181 of 2556
Top 7.0% in <100M tier
246
Loan-to-Share Ratio
balance_sheet
Value:
90.30%
Peer Median: -
#246 of 2556
Top 9.6% in <100M tier
289
Total Loans
balance_sheet
Value:
$38.87M
Peer Median: -
#289 of 2556
Top 11.3% in <100M tier
294
Total Members
engagement
Value:
5,431
Peer Median: -
#294 of 2556
Top 11.5% in <100M tier
512
Members Per Employee (MPE)
engagement
Value:
452.583
Peer Median: -
#512 of 2556
Top 20.0% in <100M tier
584
Total Deposits
balance_sheet
Value:
$43.05M
Peer Median: -
#584 of 2556
Top 22.8% in <100M tier
599
Total Assets
balance_sheet
Value:
$48.92M
Peer Median: -
#599 of 2556
Top 23.4% in <100M tier
621
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,158
Peer Median: -
#621 of 2556
Top 24.3% in <100M tier
Top Weaknesses (8 metrics)
2361
First Mortgage Concentration (%)
balance_sheet
Value:
50.82%
Peer Median: -
#2361 of 2556
Bottom 7.7% in <100M tier
2346
AMR Growth Rate
growth
Value:
-8.56%
Peer Median: -
#2346 of 2556
Bottom 8.3% in <100M tier
2223
Return on Assets (ROA)
profitability
Value:
-0.16%
Peer Median: -
#2223 of 2556
Bottom 13.1% in <100M tier
2178
Total Delinquency Rate (60+ days)
risk
Value:
2.70%
Peer Median: -
#2178 of 2556
Bottom 14.8% in <100M tier
2132
Net Charge-Off Rate
risk
Value:
0.97%
Peer Median: -
#2132 of 2556
Bottom 16.6% in <100M tier
1986
Efficiency Ratio
profitability
Value:
91.49%
Peer Median: -
#1986 of 2556
Bottom 22.3% in <100M tier
1950
Asset Growth Rate
growth
Value:
-2.53%
Peer Median: -
#1950 of 2556
Bottom 23.7% in <100M tier
1930
Deposit Growth Rate
growth
Value:
-3.29%
Peer Median: -
#1930 of 2556
Bottom 24.5% in <100M tier