BlastPoint's Credit Union Scorecard
AFL CIO EMPLOYEES
Charter #7992 · DC
AFL CIO EMPLOYEES has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.46% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 7.4% in tier
- + Loan-to-Share Ratio: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.66% below tier average
- - Efficiency ratio 7.26% above tier (higher cost structure)
- - Delinquency rate 0.92% above tier average
- - First Mortgage Concentration (%): Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,444
+4.6% YoY-0.3% QoQ
|
+2.8K |
2,625
-2.2% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
Top 11.6% in tier |
| Assets |
$52.7M
+1.8% YoY+6.8% QoQ
|
+$22.8M |
$29.9M
+1.1% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
79% |
| Loans |
$40.1M
-2.8% YoY-0.6% QoQ
|
+$24.3M |
$15.8M
-2.4% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
Top 10.4% in tier |
| Deposits |
$43.3M
-5.2% YoY-0.4% QoQ
|
+$17.8M |
$25.5M
+0.4% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
78% |
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| ROA |
0.0%
-92.9% YoY-28.4% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
17% |
| NIM |
4.4%
+11.2% YoY-0.2% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
70% |
| Efficiency Ratio |
88.7%
+6.4% YoY+1.0% QoQ
|
+7.3% |
81.4%
-2.4% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
2.4%
+169.2% YoY-41.7% QoQ
|
+0.9 |
1.5%
-2.0% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
84% |
| Loan To Share |
92.6%
+2.6% YoY-0.2% QoQ
|
+31.3% |
61.2%
-3.0% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
Top 8.9% in tier |
| AMR |
$15,305
-8.2% YoY-0.2% QoQ
|
+$678 |
$14,627
-2.7% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
59% |
| CD Concentration |
10.6%
+19.3% YoY+3.4% QoQ
|
-13.8% |
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)
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)