BlastPoint's Credit Union Scorecard
TRIBORO POSTAL
Charter #119 · NY
2596 CUs in <100M nationally
188 in NY
TRIBORO POSTAL has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 2.7% in tier
- + Total Assets: Top 3.1% in tier
- + Average Member Relationship (AMR): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.69% below tier average
- - Efficiency ratio 119.02% above tier (higher cost structure)
- - Member decline: -2.5% YoY
- - Net Interest Margin (NIM): Bottom 0.4% in tier
- - First Mortgage Concentration (%): Bottom 1.5% in tier
- - Loan-to-Share Ratio: Bottom 2.6% in tier
- - Share Certificate Concentration (%): Bottom 4.5% in tier
- - Loan Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,739
-2.5% YoY-3.6% QoQ
|
+1.1K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$91.6M
-6.2% YoY-1.7% QoQ
|
+$61.8M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Top 3.1% in tier |
| Loans |
$10.9M
-16.9% YoY-5.4% QoQ
|
$-4.9M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$79.9M
-2.7% YoY-3.1% QoQ
|
+$54.4M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Top 2.7% in tier |
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| ROA |
-1.0%
+38.4% YoY+21.1% QoQ
|
-1.7% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.5% in tier |
| NIM |
0.5%
+50.1% YoY+32.5% QoQ
|
-3.5% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.4% in tier |
| Efficiency Ratio |
200.4%
-29.3% YoY+23.0% QoQ
|
+119.0% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 1.2% in tier |
| Delinquency Rate |
1.2%
-38.1% YoY+27.8% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
13.6%
-14.6% YoY-2.5% QoQ
|
-47.6% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.4% in tier |
| AMR |
$24,265
-2.3% YoY+0.2% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Top 9.2% in tier |
| CD Concentration |
47.2%
+4.2% YoY-0.5% QoQ
|
+22.8% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.7%
-16.4% QoQ
|
-13.2% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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)
71
Total Deposits
balance_sheet
Value:
$79.86M
Peer Avg: -
#71 of 2596
Top 2.7% in <100M tier
81
Total Assets
balance_sheet
Value:
$91.61M
Peer Avg: -
#81 of 2596
Top 3.1% in <100M tier
240
Average Member Relationship (AMR)
engagement
Value:
$24,265
Peer Avg: -
#240 of 2596
Top 9.2% in <100M tier
470
Members Per Employee (MPE)
engagement
Value:
467.375
Peer Avg: -
#470 of 2596
Top 18.1% in <100M tier
618
Total Members
engagement
Value:
3,739
Peer Avg: -
#618 of 2596
Top 23.8% in <100M tier
Top Weaknesses (10 metrics)
2586
Net Interest Margin (NIM)
profitability
Value:
0.48%
Peer Avg: -
#2586 of 2596
Bottom 0.4% in <100M tier
2565
Efficiency Ratio
profitability
Value:
200.41%
Peer Avg: -
#2565 of 2596
Bottom 1.2% in <100M tier
2559
First Mortgage Concentration (%)
balance_sheet
Value:
76.24%
Peer Avg: -
#2559 of 2596
Bottom 1.5% in <100M tier
2530
Loan-to-Share Ratio
balance_sheet
Value:
13.60%
Peer Avg: -
#2530 of 2596
Bottom 2.6% in <100M tier
2479
Share Certificate Concentration (%)
balance_sheet
Value:
47.16%
Peer Avg: -
#2479 of 2596
Bottom 4.5% in <100M tier
2452
Return on Assets (ROA)
profitability
Value:
-1.01%
Peer Avg: -
#2452 of 2596
Bottom 5.6% in <100M tier
2362
Loan Growth Rate
growth
Value:
-16.90%
Peer Avg: -
#2362 of 2596
Bottom 9.1% in <100M tier
2304
Asset Growth Rate
growth
Value:
-6.16%
Peer Avg: -
#2304 of 2596
Bottom 11.3% in <100M tier
2224
Indirect Auto Concentration (%)
balance_sheet
Value:
0.73%
Peer Avg: -
#2224 of 2596
Bottom 14.4% in <100M tier
2014
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,906
Peer Avg: -
#2014 of 2596
Bottom 22.5% in <100M tier