BlastPoint's Credit Union Scorecard

AFL CIO EMPLOYEES

Charter #7992 · DC

<100M

2508 CUs in <100M nationally 18 in DC

AFL CIO EMPLOYEES faces 3 concerns requiring attention

National Analysis

How does the industry compare?

DC Analysis

How does DC stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.07% below tier average
- Efficiency ratio 5.79% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 7.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	5,434 -0.6% YoY+0.1% QoQ	+2.8K	2,676 +1.6% YoY	11,106 +1.6% YoY	33,913 +5.7% YoY	Top 11.2% in tier
Assets	$49.5M -3.0% YoY+1.2% QoQ	+$19.3M	$30.2M +1.3% YoY	$410.2M +3.1% YoY	$578.3M +9.0% YoY	77%
Loans	$37.4M -9.2% YoY-3.7% QoQ	+$22.2M	$15.3M -2.0% YoY	$239.7M +1.2% YoY	$402.4M +8.7% YoY	Top 11.7% in tier
Deposits	$43.7M -3.5% YoY+1.5% QoQ	+$17.9M	$25.8M +0.7% YoY	$357.7M +2.6% YoY	$494.3M +9.1% YoY	78%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -145.9% QoQ	-0.1%	0.1% -77.6% YoY	-0.4% -168.3% YoY	0.4% -39.2% YoY	24%
NIM	4.1% -6.4% YoY-5.5% QoQ	+0.0%	4.0% +4.0% YoY	3.5% +3.4% YoY	3.8% +4.1% YoY	60%
Efficiency Ratio	96.4% +3.3% YoY+5.4% QoQ	+5.8%	90.6% +6.5% YoY	86.5% +9.1% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	1.5% -56.1% YoY-43.3% QoQ	+0.0	1.5% +3.8% YoY	2.3% +3.6% YoY	1.2% +3.4% YoY	75%
Loan To Share	85.7% -6.0% YoY-5.1% QoQ	+27.2%	58.5% -3.0% YoY	60.4% -2.3% YoY	65.6% -1.4% YoY	Top 11.6% in tier
AMR	$14,926 -5.6% YoY-1.0% QoQ	+$42	$14,884 -1.7% YoY	$22,450 -2.0% YoY	$19,920 +1.6% YoY	55%
CD Concentration	11.3% +16.7% YoY+2.9% QoQ	-13.0%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

279

Total Members

engagement

Value: 5,434

Peer Median: 1,918

#279 of 2508 Top 11.1% in <100M tier

290

Loan-to-Share Ratio

balance_sheet

Value: 85.72%

Peer Median: 58.72%

#290 of 2508 Top 11.5% in <100M tier

294

Total Loans

balance_sheet

Value: $37.44M

Peer Median: $9.48M

#294 of 2508 Top 11.7% in <100M tier

503

Members Per Employee (MPE)

engagement

Value: 452.833

Peer Median: 333.750

#503 of 2508 Top 20.0% in <100M tier

562

Total Deposits

balance_sheet

Value: $43.67M

Peer Median: $18.77M

#562 of 2508 Top 22.4% in <100M tier

583

Total Assets

balance_sheet

Value: $49.50M

Peer Median: $21.86M

#583 of 2508 Top 23.2% in <100M tier

Top Weaknesses (7 metrics)

2323

First Mortgage Concentration (%)

balance_sheet

Value: 51.69%

Peer Median: 3.66%

#2323 of 2508 Bottom 7.4% in <100M tier

2132

AMR Growth Rate

growth

Value: -5.63%

Peer Median: 1.27%

#2132 of 2508 Bottom 15.0% in <100M tier

2018

Efficiency Ratio

profitability

Value: 96.42%

Peer Median: 81.45%

#2018 of 2508 Bottom 19.6% in <100M tier

1941

Asset Growth Rate

growth

Value: -3.02%

Peer Median: 1.30%

#1941 of 2508 Bottom 22.6% in <100M tier

1898

Return on Assets (ROA)

profitability

Value: 0.08%

Peer Median: 0.61%

#1898 of 2508 Bottom 24.4% in <100M tier

1889

Deposit Growth Rate

growth

Value: -3.46%

Peer Median: 0.66%

#1889 of 2508 Bottom 24.7% in <100M tier

1887

Loan Growth Rate

growth

Value: -9.21%

Peer Median: -2.36%

#1887 of 2508 Bottom 24.8% in <100M tier