BlastPoint's Credit Union Scorecard
TRIBORO POSTAL
Charter #119 · NY
<100M
2437 CUs in <100M nationally
176 in NY
TRIBORO POSTAL has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 6.2% in tier
- + Total Deposits: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.94% below tier average
- - Efficiency ratio 70.47% above tier (higher cost structure)
- - Delinquency rate 5.10% above tier average
- - Member decline: -3.3% YoY
- - Net Interest Margin (NIM): Bottom 0.7% in tier
- - First Mortgage Concentration (%): Bottom 1.5% in tier
- - Loan-to-Share Ratio: Bottom 3.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.3% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,750
-3.3% YoY-0.9% QoQ
|
+1.2K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
77% |
| Assets |
$83.9M
-10.0% YoY-6.5% QoQ
|
+$53.6M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Top 6.2% in tier |
| Loans |
$10.1M
-12.0% YoY-1.8% QoQ
|
$-5.3M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$71.9M
-12.7% YoY-6.5% QoQ
|
+$46.1M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Top 6.2% in tier |
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| ROA |
0.6%
-165.8% YoY-195.7% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
34% |
| NIM |
0.9%
+148.1% YoY-0.9% QoQ
|
-3.0% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.7% in tier |
| Efficiency Ratio |
159.2%
-2.3% YoY-10.7% QoQ
|
+70.5% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.2% in tier |
| Delinquency Rate |
6.6%
+608.3% YoY+599.9% QoQ
|
+5.1 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.3% in tier |
| Loan To Share |
14.1%
+0.8% YoY+5.0% QoQ
|
-44.8% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 2.8% in tier |
| AMR |
$21,875
-9.6% YoY-5.1% QoQ
|
+$7K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
84% |
| CD Concentration |
42.3%
-10.7% YoY-5.0% QoQ
|
+17.8% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % |
0.3%
-63.8% YoY-21.6% QoQ
|
-13.3% | 13.6% | 2.7% | 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)
152
Total Assets
balance_sheet
Value:
$83.93M
Peer Median: $21.91M
#152 of 2437
Top 6.2% in <100M tier
152
Total Deposits
balance_sheet
Value:
$71.92M
Peer Median: $18.69M
#152 of 2437
Top 6.2% in <100M tier
403
Average Member Relationship (AMR)
engagement
Value:
$21,875
Peer Median: $13,967
#403 of 2437
Top 16.5% in <100M tier
430
Members Per Employee (MPE)
engagement
Value:
468.750
Peer Median: 328.333
#430 of 2437
Top 17.6% in <100M tier
536
Net Worth Ratio
risk
Value:
20.24%
Peer Median: 14.28%
#536 of 2437
Top 22.0% in <100M tier
565
Total Members
engagement
Value:
3,750
Peer Median: 1,902
#565 of 2437
Top 23.1% in <100M tier
Top Weaknesses (12 metrics)
2421
Net Interest Margin (NIM)
profitability
Value:
0.90%
Peer Median: 3.87%
#2421 of 2437
Bottom 0.7% in <100M tier
2402
First Mortgage Concentration (%)
balance_sheet
Value:
76.63%
Peer Median: 3.59%
#2402 of 2437
Bottom 1.5% in <100M tier
2385
Efficiency Ratio
profitability
Value:
159.23%
Peer Median: 80.65%
#2385 of 2437
Bottom 2.2% in <100M tier
2366
Loan-to-Share Ratio
balance_sheet
Value:
14.06%
Peer Median: 58.67%
#2366 of 2437
Bottom 3.0% in <100M tier
2334
Total Delinquency Rate (60+ days)
risk
Value:
6.65%
Peer Median: 0.70%
#2334 of 2437
Bottom 4.3% in <100M tier
2325
Deposit Growth Rate
growth
Value:
-12.69%
Peer Median: 0.92%
#2325 of 2437
Bottom 4.6% in <100M tier
2310
Asset Growth Rate
growth
Value:
-9.99%
Peer Median: 1.25%
#2310 of 2437
Bottom 5.3% in <100M tier
2279
Share Certificate Concentration (%)
balance_sheet
Value:
42.33%
Peer Median: 12.77%
#2279 of 2437
Bottom 6.5% in <100M tier
2250
AMR Growth Rate
growth
Value:
-9.65%
Peer Median: 1.04%
#2250 of 2437
Bottom 7.7% in <100M tier
2075
Indirect Auto Concentration (%)
balance_sheet
Value:
0.32%
Peer Median: 0.00%
#2075 of 2437
Bottom 14.9% in <100M tier