BlastPoint's Credit Union Scorecard
WRIGHT PATMAN CONGRESSIONAL
Charter #8797 · DC
WRIGHT PATMAN CONGRESSIONAL has 5 strengths but faces 9 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 19.2% in tier
- + Organic Growth Engine: Top 26.8% in tier
- + Strong member growth: 7.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 61.5% in tier
- - Wealth Migration Risk: Bottom 75.0% in tier
- - Efficiency Drag: Bottom 96.6% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 8.24% above tier (higher cost structure)
- - Delinquency rate 0.35% above tier average
- - First Mortgage Concentration (%): Bottom 6.3% in tier
- - Total Members: Bottom 7.9% in tier
- - Fee Income Per Member: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51,946
+7.7% YoY+5.4% QoQ
|
-45.5K |
97,431
-2.4% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
Bottom 7.6% in tier |
| Assets |
$1.3B
+5.0% YoY+4.1% QoQ
|
$-408.2M |
$1.7B
+0.9% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$781.0M
+6.1% YoY+3.9% QoQ
|
$-453.4M |
$1.2B
+0.5% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.9% in tier |
| Deposits |
$1.2B
+4.4% YoY+4.3% QoQ
|
$-289.4M |
$1.5B
+0.9% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
0.4%
-49.2% YoY-3.0% QoQ
|
-0.3% |
0.7%
+20.9% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
3.3%
+4.5% YoY-0.9% QoQ
|
-0.0% |
3.3%
+9.2% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
82.3%
+9.3% YoY-1.8% QoQ
|
+8.2% |
74.1%
-9.5% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
1.2%
-3.4% YoY+3.5% QoQ
|
+0.3 |
0.9%
+6.2% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
66.8%
+1.6% YoY-0.4% QoQ
|
-18.0% |
84.8%
-0.8% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.2% in tier |
| AMR |
$37,558
-2.4% YoY-1.2% QoQ
|
+$8K |
$29,428
+2.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
Top 11.9% in tier |
| CD Concentration |
22.1%
+6.2% YoY-2.4% QoQ
|
-7.0% | 29.0% | 15.9% | 19.8% | 21% |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 0.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
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.
Concerns (3)
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.
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)