BlastPoint's Credit Union Scorecard
SARGENT
Charter #9613 · DC
<100M
2508 CUs in <100M nationally
18 in DC
SARGENT has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.17% above tier average
- + Loan Growth Rate: Top 0.9% in tier
- + Net Charge-Off Rate: Top 2.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 13.47% above tier average
- - Average Member Relationship (AMR): Bottom 0.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.4% in tier
- - Total Assets: Bottom 1.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.5% in tier
- - Total Deposits: Bottom 1.7% in tier
- - Total Loans: Bottom 2.2% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
391
0% YoY0% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
11,106
+1.6% YoY
|
33,913
+5.7% YoY
|
Bottom 10.6% in tier |
| Assets |
$267,979
-5.5% YoY-2.8% QoQ
|
$-29.9M |
$30.2M
+1.3% YoY
|
$410.2M
+3.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.4% in tier |
| Loans |
$53,081
+47.4% YoY-2.2% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$239.7M
+1.2% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.2% in tier |
| Deposits |
$218,955
-7.3% YoY-3.6% QoQ
|
$-25.6M |
$25.8M
+0.7% YoY
|
$357.7M
+2.6% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.3%
+21.1% YoY+211.5% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
-0.4%
-168.3% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
3.3%
+23.6% YoY+59.6% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.5%
+3.4% YoY
|
3.8%
+4.1% YoY
|
28% |
| Efficiency Ratio |
60.2%
+1.4% YoY-24.4% QoQ
|
-30.4% |
90.6%
+6.5% YoY
|
86.5%
+9.1% YoY
|
84.6%
+2.8% YoY
|
Top 12.4% in tier |
| Delinquency Rate |
15.0%
-29.4% YoY+82.1% QoQ
|
+13.5 |
1.5%
+3.8% YoY
|
2.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.4% in tier |
| Loan To Share |
24.2%
+59.1% YoY+1.5% QoQ
|
-34.3% |
58.5%
-3.0% YoY
|
60.4%
-2.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.8% in tier |
| AMR |
$695.7
-0.1% YoY-3.4% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$22,450
-2.0% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.5% in tier |
| CD Concentration |
19.4%
+0.0% YoY+4.4% QoQ
|
-4.9% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.7% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
24
Loan Growth Rate
growth
Value:
47.42%
Peer Median: -2.36%
#24 of 2508
Top 0.9% in <100M tier
56
Net Charge-Off Rate
risk
Value:
-0.75%
Peer Median: 0.07%
#56 of 2508
Top 2.2% in <100M tier
311
Efficiency Ratio
profitability
Value:
60.20%
Peer Median: 81.45%
#311 of 2508
Top 12.4% in <100M tier
495
Return on Assets (ROA)
profitability
Value:
1.32%
Peer Median: 0.61%
#495 of 2508
Top 19.7% in <100M tier
Top Weaknesses (11 metrics)
2495
Average Member Relationship (AMR)
engagement
Value:
$695.74
Peer Median: $13,926
#2495 of 2508
Bottom 0.6% in <100M tier
2473
Total Delinquency Rate (60+ days)
risk
Value:
14.97%
Peer Median: 0.65%
#2473 of 2508
Bottom 1.4% in <100M tier
2472
Total Assets
balance_sheet
Value:
$267,979
Peer Median: $21.86M
#2472 of 2508
Bottom 1.5% in <100M tier
2471
Loan-to-Member Ratio (LMR)
engagement
Value:
$135.76
Peer Median: $4,923
#2471 of 2508
Bottom 1.5% in <100M tier
2467
Total Deposits
balance_sheet
Value:
$218,955
Peer Median: $18.77M
#2467 of 2508
Bottom 1.7% in <100M tier
2454
Total Loans
balance_sheet
Value:
$53,081
Peer Median: $9.48M
#2454 of 2508
Bottom 2.2% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2336
Loan-to-Share Ratio
balance_sheet
Value:
24.24%
Peer Median: 58.72%
#2336 of 2508
Bottom 6.9% in <100M tier
2241
Total Members
engagement
Value:
391
Peer Median: 1,918
#2241 of 2508
Bottom 10.7% in <100M tier
2225
Deposit Growth Rate
growth
Value:
-7.33%
Peer Median: 0.66%
#2225 of 2508
Bottom 11.3% in <100M tier