BlastPoint's Credit Union Scorecard
TRIBORO POSTAL
Charter #119 · NY
<100M
2556 CUs in <100M nationally
183 in NY
TRIBORO POSTAL has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 3.1% in tier
- + Total Assets: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.39% below tier average
- - Efficiency ratio 79.50% above tier (higher cost structure)
- - Delinquency rate 5.09% above tier average
- - Net Interest Margin (NIM): Bottom 0.6% in tier
- - First Mortgage Concentration (%): Bottom 1.9% in tier
- - Loan-to-Share Ratio: Bottom 2.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.9% in tier
- - Share Certificate Concentration (%): Bottom 5.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,752
-1.8% YoY+0.3% QoQ
|
+1.1K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$90.7M
-5.4% YoY-0.9% QoQ
|
+$60.6M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 3.8% in tier |
| Loans |
$10.8M
-17.7% YoY-0.4% QoQ
|
$-4.9M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$78.9M
-4.8% YoY-1.2% QoQ
|
+$53.2M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 3.1% in tier |
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| ROA |
-0.8%
-46.0% YoY-24.5% QoQ
|
-1.4% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.0% in tier |
| NIM |
0.8%
+132.2% YoY+58.1% QoQ
|
-3.2% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio |
162.1%
-19.1% QoQ
|
+79.5% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.6% in tier |
| Delinquency Rate |
6.6%
+19.6% YoY+453.9% QoQ
|
+5.1 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 3.9% in tier |
| Loan To Share |
13.7%
-13.6% YoY+0.8% QoQ
|
-46.9% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.4% in tier |
| AMR |
$23,920
-4.9% YoY-1.4% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 10.3% in tier |
| CD Concentration |
45.6%
-1.6% YoY-3.4% QoQ
|
+21.1% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % |
0.6%
-46.9% YoY-22.6% QoQ
|
-13.2% | 13.8% | 2.6% | 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 (5 metrics)
80
Total Deposits
balance_sheet
Value:
$78.93M
Peer Median: -
#80 of 2556
Top 3.1% in <100M tier
96
Total Assets
balance_sheet
Value:
$90.75M
Peer Median: -
#96 of 2556
Top 3.7% in <100M tier
262
Average Member Relationship (AMR)
engagement
Value:
$23,920
Peer Median: -
#262 of 2556
Top 10.2% in <100M tier
295
Members Per Employee (MPE)
engagement
Value:
536.000
Peer Median: -
#295 of 2556
Top 11.5% in <100M tier
602
Total Members
engagement
Value:
3,752
Peer Median: -
#602 of 2556
Top 23.5% in <100M tier
Top Weaknesses (13 metrics)
2541
Net Interest Margin (NIM)
profitability
Value:
0.76%
Peer Median: -
#2541 of 2556
Bottom 0.6% in <100M tier
2515
Efficiency Ratio
profitability
Value:
162.05%
Peer Median: -
#2515 of 2556
Bottom 1.6% in <100M tier
2509
First Mortgage Concentration (%)
balance_sheet
Value:
73.46%
Peer Median: -
#2509 of 2556
Bottom 1.9% in <100M tier
2493
Loan-to-Share Ratio
balance_sheet
Value:
13.71%
Peer Median: -
#2493 of 2556
Bottom 2.5% in <100M tier
2458
Total Delinquency Rate (60+ days)
risk
Value:
6.64%
Peer Median: -
#2458 of 2556
Bottom 3.9% in <100M tier
2426
Share Certificate Concentration (%)
balance_sheet
Value:
45.57%
Peer Median: -
#2426 of 2556
Bottom 5.1% in <100M tier
2377
Return on Assets (ROA)
profitability
Value:
-0.76%
Peer Median: -
#2377 of 2556
Bottom 7.0% in <100M tier
2361
Loan Growth Rate
growth
Value:
-17.67%
Peer Median: -
#2361 of 2556
Bottom 7.7% in <100M tier
2230
Asset Growth Rate
growth
Value:
-5.37%
Peer Median: -
#2230 of 2556
Bottom 12.8% in <100M tier
2189
Indirect Auto Concentration (%)
balance_sheet
Value:
0.57%
Peer Median: -
#2189 of 2556
Bottom 14.4% in <100M tier