BlastPoint's Credit Union Scorecard
TAMPA POSTAL
Charter #4395 · FL
TAMPA POSTAL has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 0.0% in tier
- + Total Assets: Top 0.6% in tier
- + Fee Income Per Member: Top 5.1% in tier
- + AMR Growth Rate: Top 8.2% in tier
- + Total Members: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 1.44% above tier (higher cost structure)
- - Member decline: -5.7% YoY
- - Indirect Auto Concentration (%): Bottom 7.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,114
-5.7% YoY-0.8% QoQ
|
+3.5K |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 8.6% in tier |
| Assets |
$98.4M
+4.8% YoY-0.2% QoQ
|
+$68.3M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 0.7% in tier |
| Loans |
$36.8M
+9.9% YoY-1.9% QoQ
|
+$21.0M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Top 12.9% in tier |
| Deposits |
$90.3M
+2.6% YoY-0.2% QoQ
|
+$64.6M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 0.0% in tier |
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| ROA |
0.3%
-523.5% YoY-48.9% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
3.1%
+6.3% YoY+1.7% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
23% |
| Efficiency Ratio |
84.0%
-13.3% YoY+8.0% QoQ
|
+1.4% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
0.3%
-27.3% YoY-42.1% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
40.7%
+7.1% YoY-1.7% QoQ
|
-19.9% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$20,776
+11.0% YoY+0.1% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
81% |
| CD Concentration |
20.5%
+0.9% YoY+1.1% QoQ
|
-3.9% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
14.4%
+1131.6% YoY+30.0% QoQ
|
+0.6% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)