BlastPoint's Credit Union Scorecard
WRIGHT PATMAN CONGRESSIONAL
Charter #8797 · DC
WRIGHT PATMAN CONGRESSIONAL has 5 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does DC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 11.3% in tier
- + Organic Growth Leader: Top 11.3% in tier
- + Emerging Performer: Top 50.9% in tier
- + Strong member growth: 7.9% YoY
- + Member Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.6% in tier
- - Wealth Migration Risk: Bottom 13.6% in tier
- - Credit Risk Growth: Bottom 33.6% in tier
- - Shrinking Wallet Share: Bottom 92.2% in tier
- - Efficiency ratio 4.87% above tier (higher cost structure)
- - Delinquency rate 0.76% above tier average
- - First Mortgage Concentration (%): Bottom 6.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 1 that size in D.C..
- Shares and deposits +1.8% year over year ($1.15B in shares and deposits).
- Membership: 52,232 members, +7.9% vs a year ago.
- Delinquency rate 1.62%.
- Return on assets 0.79%.
- Efficiency ratio 77.89% vs a 73.02% peer average.
- Loan-to-share ratio 70.29% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
52,232
+7.9% YoY+0.1% QoQ
|
-44.6K |
96,861
-1.9% YoY
|
11,304
+3.6% YoY
|
34,678
+6.6% YoY
|
Bottom 9.3% in tier |
| Assets |
$1.3B
+2.2% YoY-3.3% QoQ
|
$-434.2M |
$1.7B
+0.4% YoY
|
$419.5M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$805.1M
+8.3% YoY+2.1% QoQ
|
$-429.2M |
$1.2B
+0.7% YoY
|
$248.4M
+4.8% YoY
|
$418.6M
+10.1% YoY
|
16% |
| Deposits |
$1.1B
+1.8% YoY-3.7% QoQ
|
$-318.1M |
$1.5B
+0.5% YoY
|
$364.6M
+5.5% YoY
|
$504.8M
+10.3% YoY
|
35% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
+48.9% YoY+23.3% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
1.0%
-30.4% YoY
|
1.2%
+121.4% YoY
|
51% |
| NIM |
3.3%
+3.7% YoY+2.9% QoQ
|
-0.1% |
3.4%
+6.6% YoY
|
3.6%
-0.1% YoY
|
3.8%
+2.3% YoY
|
39% |
| Efficiency Ratio |
77.9%
-4.5% YoY-2.3% QoQ
|
+4.9% |
73.0%
-2.7% YoY
|
84.8%
+17.5% YoY
|
83.0%
-5.3% YoY
|
69% |
| Delinquency Rate |
1.6%
+46.6% YoY+79.3% QoQ
|
+0.8 |
0.9%
+7.3% YoY
|
2.7%
+26.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.7% in tier |
| Loan To Share |
70.3%
+6.4% YoY+6.0% QoQ
|
-14.4% |
84.7%
+0.1% YoY
|
60.8%
-1.7% YoY
|
66.4%
-1.4% YoY
|
15% |
| AMR |
$37,340
-3.3% YoY-1.5% QoQ
|
+$8K |
$29,575
+1.5% YoY
|
$22,625
-0.7% YoY
|
$20,028
-0.9% YoY
|
Top 12.0% in tier |
| CD Concentration |
21.7%
-1.9% YoY+1.8% QoQ
|
-7.4% | 29.1% | 15.9% | 20.0% | 19% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 0.2% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
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)