BlastPoint's Credit Union Scorecard
TRIBORO POSTAL
Charter #119 · NY
<100M
2508 CUs in <100M nationally
179 in NY
TRIBORO POSTAL has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 3.8% in tier
- + Total Deposits: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.72% below tier average
- - Efficiency ratio 87.63% above tier (higher cost structure)
- - Member decline: -2.4% YoY
- - Net Interest Margin (NIM): Bottom 1.0% in tier
- - First Mortgage Concentration (%): Bottom 1.5% in tier
- - Loan-to-Share Ratio: Bottom 2.6% in tier
- - Share Certificate Concentration (%): Bottom 5.4% in tier
- - Deposit Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,785
-2.4% YoY+0.9% QoQ
|
+1.1K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
77% |
| Assets |
$89.8M
-5.0% YoY-1.0% QoQ
|
+$59.6M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Top 3.8% in tier |
| Loans |
$10.3M
-12.5% YoY-4.8% QoQ
|
$-5.0M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
53% |
| Deposits |
$76.9M
-8.1% YoY-2.6% QoQ
|
+$51.1M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Top 4.0% in tier |
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| ROA |
-0.6%
+33.5% YoY-24.8% QoQ
|
-0.7% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.4% in tier |
| NIM |
0.9%
+239.4% YoY+19.5% QoQ
|
-3.1% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.0% in tier |
| Efficiency Ratio |
178.3%
+47.4% YoY+10.0% QoQ
|
+87.6% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.1% in tier |
| Delinquency Rate |
0.9%
+38.5% YoY-85.7% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
63% |
| Loan To Share |
13.4%
-4.7% YoY-2.3% QoQ
|
-45.1% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.5% in tier |
| AMR |
$23,041
-6.4% YoY-3.7% QoQ
|
+$8K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Top 12.4% in tier |
| CD Concentration |
44.5%
-5.9% YoY-2.2% QoQ
|
+20.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % |
0.4%
-59.4% YoY-28.6% QoQ
|
-13.4% | 13.8% | 2.6% | 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 (5 metrics)
96
Total Assets
balance_sheet
Value:
$89.80M
Peer Median: $21.86M
#96 of 2508
Top 3.8% in <100M tier
100
Total Deposits
balance_sheet
Value:
$76.91M
Peer Median: $18.77M
#100 of 2508
Top 3.9% in <100M tier
310
Average Member Relationship (AMR)
engagement
Value:
$23,041
Peer Median: $13,926
#310 of 2508
Top 12.3% in <100M tier
439
Members Per Employee (MPE)
engagement
Value:
473.125
Peer Median: 333.750
#439 of 2508
Top 17.5% in <100M tier
575
Total Members
engagement
Value:
3,785
Peer Median: 1,918
#575 of 2508
Top 22.9% in <100M tier
Top Weaknesses (14 metrics)
2484
Net Interest Margin (NIM)
profitability
Value:
0.91%
Peer Median: 3.83%
#2484 of 2508
Bottom 1.0% in <100M tier
2471
First Mortgage Concentration (%)
balance_sheet
Value:
76.35%
Peer Median: 3.66%
#2471 of 2508
Bottom 1.5% in <100M tier
2456
Efficiency Ratio
profitability
Value:
178.26%
Peer Median: 81.45%
#2456 of 2508
Bottom 2.1% in <100M tier
2443
Loan-to-Share Ratio
balance_sheet
Value:
13.40%
Peer Median: 58.72%
#2443 of 2508
Bottom 2.6% in <100M tier
2373
Share Certificate Concentration (%)
balance_sheet
Value:
44.55%
Peer Median: 12.45%
#2373 of 2508
Bottom 5.4% in <100M tier
2266
Deposit Growth Rate
growth
Value:
-8.13%
Peer Median: 0.66%
#2266 of 2508
Bottom 9.7% in <100M tier
2196
Return on Assets (ROA)
profitability
Value:
-0.57%
Peer Median: 0.61%
#2196 of 2508
Bottom 12.5% in <100M tier
2184
AMR Growth Rate
growth
Value:
-6.42%
Peer Median: 1.27%
#2184 of 2508
Bottom 13.0% in <100M tier
2159
Asset Growth Rate
growth
Value:
-5.04%
Peer Median: 1.30%
#2159 of 2508
Bottom 14.0% in <100M tier
2148
Indirect Auto Concentration (%)
balance_sheet
Value:
0.41%
Peer Median: 0.00%
#2148 of 2508
Bottom 14.4% in <100M tier