BlastPoint's Credit Union Scorecard
SARGENT
Charter #9613 · DC
2556 CUs in <100M nationally
18 in DC
SARGENT has 4 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.3% in tier
- + Loan Growth Rate: Top 2.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Delinquency rate 6.66% above tier average
- - Average Member Relationship (AMR): Bottom 0.6% in tier
- - Total Assets: Bottom 1.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.6% in tier
- - Total Deposits: Bottom 1.8% in tier
- - Total Loans: Bottom 2.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.8% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Net Interest Margin (NIM): Bottom 4.2% in tier
- - Loan-to-Share Ratio: Bottom 6.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
391
0% YoY0% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
Bottom 10.6% in tier |
| Assets |
$275,700
-5.5% YoY-0.8% QoQ
|
$-29.9M |
$30.1M
+2.1% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.5% in tier |
| Loans |
$54,283
+26.5% YoY+122.4% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.1% in tier |
| Deposits |
$227,237
-7.7% YoY-0.8% QoQ
|
$-25.5M |
$25.7M
+1.4% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.7% in tier |
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| ROA |
0.4%
-23.3% YoY-47.0% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
2.1%
-35.2% YoY-19.2% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio |
79.6%
-3.9% YoY+15.5% QoQ
|
-2.9% |
82.6%
-2.3% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
8.2%
-34.5% YoY-68.2% QoQ
|
+6.7 |
1.6%
-3.1% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
Top 2.8% in tier |
| Loan To Share |
23.9%
+37.1% YoY+124.1% QoQ
|
-36.7% |
60.6%
-3.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.3% in tier |
| AMR |
$720.0
-2.7% YoY+11.1% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.6% in tier |
| CD Concentration |
18.5%
+0.7% YoY+1.5% QoQ
|
-5.9% | 24.4% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 7.8% | 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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
8
Net Charge-Off Rate
risk
Value:
-2.03%
Peer Median: -
#8 of 2556
Top 0.3% in <100M tier
54
Loan Growth Rate
growth
Value:
26.54%
Peer Median: -
#54 of 2556
Top 2.1% in <100M tier
Top Weaknesses (13 metrics)
2541
Average Member Relationship (AMR)
engagement
Value:
$720.00
Peer Median: -
#2541 of 2556
Bottom 0.6% in <100M tier
2518
Total Assets
balance_sheet
Value:
$275,700
Peer Median: -
#2518 of 2556
Bottom 1.5% in <100M tier
2517
Loan-to-Member Ratio (LMR)
engagement
Value:
$138.83
Peer Median: -
#2517 of 2556
Bottom 1.6% in <100M tier
2512
Total Deposits
balance_sheet
Value:
$227,237
Peer Median: -
#2512 of 2556
Bottom 1.8% in <100M tier
2502
Total Loans
balance_sheet
Value:
$54,283
Peer Median: -
#2502 of 2556
Bottom 2.2% in <100M tier
2486
Total Delinquency Rate (60+ days)
risk
Value:
8.22%
Peer Median: -
#2486 of 2556
Bottom 2.8% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2449
Net Interest Margin (NIM)
profitability
Value:
2.07%
Peer Median: -
#2449 of 2556
Bottom 4.2% in <100M tier
2393
Loan-to-Share Ratio
balance_sheet
Value:
23.89%
Peer Median: -
#2393 of 2556
Bottom 6.4% in <100M tier
2284
Total Members
engagement
Value:
391
Peer Median: -
#2284 of 2556
Bottom 10.7% in <100M tier