BlastPoint's Credit Union Scorecard
WRIGHT PATMAN CONGRESSIONAL
Charter #8797 · DC
WRIGHT PATMAN CONGRESSIONAL has 5 strengths but faces 7 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 Leader: Top 23.5% in tier
- + Organic Growth Engine: Top 23.9% in tier
- + Relationship Depth Leader: Top 95.5% in tier
- + Net Interest Margin 0.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 20.1% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 9.79% above tier (higher cost structure)
- - Delinquency rate 0.37% above tier average
- - First Mortgage Concentration (%): Bottom 5.3% in tier
- - Total Members: Bottom 5.9% in tier
- - Fee Income Per Member: Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
49,276
+2.1% YoY+1.8% QoQ
|
-49.4K |
98,678
-1.9% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 5.6% in tier |
| Assets |
$1.3B
+4.8% YoY+0.0% QoQ
|
$-456.7M |
$1.7B
+0.5% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
27% |
| Loans |
$751.9M
+1.9% YoY+1.2% QoQ
|
$-481.1M |
$1.2B
+0.5% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.2% in tier |
| Deposits |
$1.1B
+4.7% YoY-0.3% QoQ
|
$-332.2M |
$1.5B
+1.3% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
34% |
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| ROA |
0.4%
-57.3% YoY-15.9% QoQ
|
-0.3% |
0.7%
+13.4% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
3.3%
+4.7% YoY+2.7% QoQ
|
+0.0% |
3.3%
+9.3% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
51% |
| Efficiency Ratio |
83.8%
+16.8% YoY+2.7% QoQ
|
+9.8% |
74.0%
-10.9% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
Top 11.5% in tier |
| Delinquency Rate |
1.2%
-0.4% YoY+8.5% QoQ
|
+0.4 |
0.8%
+6.1% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
84% |
| Loan To Share |
67.0%
-2.7% YoY+1.5% QoQ
|
-18.2% |
85.2%
-0.8% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.1% in tier |
| AMR |
$38,032
+1.4% YoY-1.5% QoQ
|
+$9K |
$29,172
+2.8% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
Top 11.2% in tier |
| CD Concentration |
22.6%
+4.7% YoY+2.4% QoQ
|
-6.3% |
29.0%
+0.7% YoY
|
16.1%
+11.6% YoY
|
19.6%
+6.2% YoY
|
22% |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
0.1%
-38.7% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)