AFL CIO EMPLOYEES
Charter #7992 | DC
<100M
(2596 CUs)
Micro
($0-$500M)
18 <100M in 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
|
Top 21.4% in tier |
| 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
|
Top 22.5% in tier |
| 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
|
Bottom 17.3% in tier |
| 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
|
70th in tier |
| 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
|
74th in tier |
| 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
|
Top 15.9% in tier |
| 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
|
59th in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.1%
-38.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
194
Member Growth Rate
growth
Value:
4.55%
Peer Avg: 14.92%
#194 of 2596
Top 7.4% in <100M tier
226
Loan-to-Share Ratio
balance_sheet
Value:
92.57%
Peer Avg: 61.23%
#226 of 2596
Top 8.7% in <100M tier
270
Total Loans
balance_sheet
Value:
$40.05M
Peer Avg: $15.77M
#270 of 2596
Top 10.4% in <100M tier
301
Total Members
engagement
Value:
5,444
Peer Avg: 2,626
#301 of 2596
Top 11.6% in <100M tier
525
Members Per Employee (MPE)
engagement
Value:
453.667
Peer Avg: 365.701
#525 of 2596
Top 20.2% in <100M tier
555
Total Assets
balance_sheet
Value:
$52.69M
Peer Avg: $29.86M
#555 of 2596
Top 21.3% in <100M tier
583
Total Deposits
balance_sheet
Value:
$43.27M
Peer Avg: $25.45M
#583 of 2596
Top 22.4% in <100M tier
595
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,357
Peer Avg: $5,488
#595 of 2596
Top 22.9% in <100M tier
Top Weaknesses (6 metrics)
2401
First Mortgage Concentration (%)
balance_sheet
Value:
50.29%
Peer Avg: 14.49%
#2401 of 2596
Bottom 7.6% in <100M tier
2329
AMR Growth Rate
growth
Value:
-8.25%
Peer Avg: 4.67%
#2329 of 2596
Bottom 10.3% in <100M tier
2240
Net Charge-Off Rate
risk
Value:
1.02%
Peer Avg: 0.57%
#2240 of 2596
Bottom 13.8% in <100M tier
2185
Total Delinquency Rate (60+ days)
risk
Value:
2.43%
Peer Avg: 1.51%
#2185 of 2596
Bottom 15.9% in <100M tier
2160
Deposit Growth Rate
growth
Value:
-5.23%
Peer Avg: 16.80%
#2160 of 2596
Bottom 16.8% in <100M tier
2147
Return on Assets (ROA)
profitability
Value:
0.02%
Peer Avg: 0.68%
#2147 of 2596
Bottom 17.3% in <100M tier