BlastPoint's Credit Union Scorecard
SARGENT
Charter #9613 · DC
2596 CUs in <100M nationally
18 in DC
SARGENT has 4 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 24.35% above tier average
- - Average Member Relationship (AMR): Bottom 0.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.0% in tier
- - Loan Growth Rate: Bottom 1.3% in tier
- - Total Loans: Bottom 1.5% in tier
- - Total Assets: Bottom 1.6% in tier
- - Total Deposits: Bottom 2.0% in tier
- - Loan-to-Share Ratio: Bottom 2.1% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - AMR Growth Rate: Bottom 6.0% in tier
- - Net Interest Margin (NIM): Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
391
0% YoY0% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 10.8% in tier |
| Assets |
$277,962
-3.1% YoY-0.3% QoQ
|
$-29.6M |
$29.9M
+1.1% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.5% in tier |
| Loans |
$24,409
-48.6% YoY-23.5% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.5% in tier |
| Deposits |
$229,004
-4.5% YoY-0.5% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.9% in tier |
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| ROA |
0.8%
-51.4% YoY-10.4% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
2.6%
-35.5% YoY+0.6% QoQ
|
-1.4% |
3.9%
+3.8% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.3% in tier |
| Efficiency Ratio |
68.9%
+17.2% YoY+5.9% QoQ
|
-12.5% |
81.4%
-2.4% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
30% |
| Delinquency Rate |
25.9%
+104.3% YoY+15.9% QoQ
|
+24.3 |
1.5%
-2.0% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
Top 0.9% in tier |
| Loan To Share |
10.7%
-46.2% YoY-23.1% QoQ
|
-50.6% |
61.2%
-3.0% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.9% in tier |
| AMR |
$648.1
-11.8% YoY-3.3% QoQ
|
$-14K |
$14,627
-2.7% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.5% in tier |
| CD Concentration |
18.3%
-2.6% YoY-8.6% QoQ
|
-6.1% |
24.4%
+4.2% YoY
|
16.1%
+11.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.1%
-38.7% YoY
|
7.9%
-2.9% YoY
|
50% |
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 (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
6
Net Charge-Off Rate
risk
Value:
-3.02%
Peer Avg: -
#6 of 2596
Top 0.2% in <100M tier
Top Weaknesses (14 metrics)
2582
Average Member Relationship (AMR)
engagement
Value:
$648.12
Peer Avg: -
#2582 of 2596
Bottom 0.6% in <100M tier
2574
Total Delinquency Rate (60+ days)
risk
Value:
25.86%
Peer Avg: -
#2574 of 2596
Bottom 0.9% in <100M tier
2570
Loan-to-Member Ratio (LMR)
engagement
Value:
$62.43
Peer Avg: -
#2570 of 2596
Bottom 1.0% in <100M tier
2563
Loan Growth Rate
growth
Value:
-48.62%
Peer Avg: -
#2563 of 2596
Bottom 1.3% in <100M tier
2558
Total Loans
balance_sheet
Value:
$24,409
Peer Avg: -
#2558 of 2596
Bottom 1.5% in <100M tier
2556
Total Assets
balance_sheet
Value:
$277,962
Peer Avg: -
#2556 of 2596
Bottom 1.6% in <100M tier
2546
Total Deposits
balance_sheet
Value:
$229,004
Peer Avg: -
#2546 of 2596
Bottom 2.0% in <100M tier
2542
Loan-to-Share Ratio
balance_sheet
Value:
10.66%
Peer Avg: -
#2542 of 2596
Bottom 2.1% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2441
AMR Growth Rate
growth
Value:
-11.81%
Peer Avg: -
#2441 of 2596
Bottom 6.0% in <100M tier