District of Columbia Credit Unions

Member engagement deteriorated significantly as membership losses accelerated. Member growth decelerated to -1.82% in Q3 2025 from -1.01% in Q2 2025, representing a sharp 0.81 percentage point decline quarter-over-quarter. The current membership decline of 1.82% stands 1.21 percentage points below the national benchmark, indicating substantial member retention challenges across DC credit unions.

Profitability metrics showed consistent improvement across both timeframes. ROA increased to 0.61% from 0.53% quarter-over-quarter and surged from 0.32% year-over-year, while NIM expanded to 3.61% from 3.41% last quarter and 3.47% a year ago. Despite these gains, both metrics remain below national benchmarks by 17 and 11 basis points respectively, indicating room for further improvement.

Growth momentum decelerated significantly across all major categories in Q3 2025. Asset growth decelerated to 0.11% from 1.30% quarter-over-quarter, while deposit growth decelerated to 0.44% from 0.77% last quarter. Loan growth remained negative, further decelerating to -3.32% from -3.25% quarter-over-quarter. All growth metrics substantially underperformed national benchmarks, with loan growth trailing by 3.52 percentage points.

The risk profile showed modest improvement with mixed signals across timeframes. Delinquency rates decreased to 1.13% from 1.19% quarter-over-quarter and remained stable from 1.14% year-over-year. However, net worth declined to 11.85% from 12.07% last quarter, though it increased from 11.03% a year ago. Delinquency rates remain 28 basis points above national levels, indicating elevated credit risk.

Portfolio composition showed gradual shifts toward traditional mortgage lending and certificates. First mortgage concentration remained stable at 36.95%, down just 0.19 percentage points year-over-year but significantly above the national 21.76%. Certificate concentration increased to 16.10% from 14.42% year-over-year, while indirect auto lending virtually disappeared, dropping to 0.06% from already minimal levels.