BlastPoint's Credit Union Scorecard

WRIGHT PATMAN CONGRESSIONAL

Charter #8797 · DC

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 1 in DC

View Mid-Market leaderboard →

WRIGHT PATMAN CONGRESSIONAL has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

DC Analysis

How does DC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 10.8% in tier
+ Organic Growth Leader: Top 10.8% in tier
+ Emerging Performer: Top 54.3% in tier
+ Strong member growth: 8.1% YoY

Key Concerns

Areas that may need attention

- Wealth Migration Risk: Bottom 13.1% in tier
- Shrinking Wallet Share: Bottom 90.8% in tier
- ROA 0.08% below tier average
- Efficiency ratio 5.09% above tier (higher cost structure)
- Delinquency rate 0.15% above tier average
- First Mortgage Concentration (%): Bottom 5.9% in tier
- Total Members: Bottom 8.8% in tier
- AMR Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Members	52,187 +8.1% YoY+0.5% QoQ	-43.9K	96,048 -2.7% YoY	11,106 +1.6% YoY	33,913 +5.7% YoY	Bottom 8.5% in tier
Assets	$1.3B +3.1% YoY+1.5% QoQ	$-385.4M	$1.7B +0.4% YoY	$410.2M +3.1% YoY	$578.3M +9.0% YoY	34%
Loans	$788.9M +8.4% YoY+1.0% QoQ	$-424.8M	$1.2B +0.2% YoY	$239.7M +1.2% YoY	$402.4M +8.7% YoY	16%
Deposits	$1.2B +2.7% YoY+1.7% QoQ	$-275.9M	$1.5B +0.5% YoY	$357.7M +2.6% YoY	$494.3M +9.1% YoY	40%

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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	0.6% +14.8% YoY+48.1% QoQ	-0.1%	0.7% +27.6% YoY	-0.4% -168.3% YoY	0.4% -39.2% YoY	47%
NIM	3.2% +2.4% YoY-1.0% QoQ	-0.1%	3.4% +6.2% YoY	3.5% +3.4% YoY	3.8% +4.1% YoY	39%
Efficiency Ratio	79.7% -3.7% YoY-3.1% QoQ	+5.1%	74.6% -3.0% YoY	86.5% +9.1% YoY	84.6% +2.8% YoY	70%
Delinquency Rate	0.9% -10.0% YoY-27.2% QoQ	+0.1	0.8% +6.9% YoY	2.3% +3.6% YoY	1.2% +3.4% YoY	75%
Loan To Share	66.3% +5.6% YoY-0.7% QoQ	-16.9%	83.2% -0.4% YoY	60.4% -2.3% YoY	65.6% -1.4% YoY	Bottom 13.7% in tier
AMR	$37,911 -2.9% YoY+0.9% QoQ	+$8K	$29,652 +2.3% YoY	$22,450 -2.0% YoY	$19,920 +1.6% YoY	Top 12.1% in tier
CD Concentration	21.3% +2.1% YoY-3.6% QoQ	-7.5%	28.8%	15.4%	19.8%	19%
Indirect Auto %	0.0%	-18.1%	18.1%	0.1%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#19 of 115 • Top 10.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 8.08%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 0.64%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth

#22 of 116 • Top 10.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 8.08%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Emerging Performer

growth

#38 of 79 • Top 54.3% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.64%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 8.08%

(Tier: 3.50%, National: 10.19%)

better than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (2)

Shrinking Wallet Share

decline

#36 of 82 • Bottom 90.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.95%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Wealth Migration Risk

decline

#8 of 8 • Bottom 13.1% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $37.9K

(Tier: $29.9K, National: $19.9K)

but better than tier avg

AMR Growth (YoY): -2.95%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

8 of 384 Mid-Market CUs have this signature | 28 nationally

→ No prior data (8 CUs now) | New qualifier

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 306 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.86%

#1 of 306 Top 0.1% in 1B-3B tier

Member Growth Rate

growth

Value: 8.08%

Peer Median: 2.03%

#33 of 306 Top 10.5% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $37,911

Peer Median: $28,178

#37 of 306 Top 11.8% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.24%

Peer Median: 0.51%

#58 of 306 Top 18.6% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.30%

Peer Median: 27.93%

#61 of 306 Top 19.6% in 1B-3B tier

Top Weaknesses (6 metrics)

289

First Mortgage Concentration (%)

balance_sheet

Value: 59.17%

Peer Median: 33.05%

#289 of 306 Bottom 5.9% in 1B-3B tier

280

Total Members

engagement

Value: 52,187

Peer Median: 85,918

#280 of 306 Bottom 8.8% in 1B-3B tier

278

AMR Growth Rate

growth

Value: -2.95%

Peer Median: 3.15%

#278 of 306 Bottom 9.5% in 1B-3B tier

264

Loan-to-Share Ratio

balance_sheet

Value: 66.31%

Peer Median: 85.31%

#264 of 306 Bottom 14.1% in 1B-3B tier

257

Total Loans

balance_sheet

Value: $788.88M

Peer Median: $1.11B

#257 of 306 Bottom 16.3% in 1B-3B tier

248

Fee Income Per Member

profitability

Value: $143.28

Peer Median: $191.54

#248 of 306 Bottom 19.3% in 1B-3B tier