NORWALK POSTAL EMPLOYEES
Charter #12375 | CT
<100M
(2596 CUs)
Micro
($0-$500M)
45 <100M in CT
NORWALK POSTAL EMPLOYEES has 5 strengths but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.15% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 18.39% below tier average
- - Efficiency ratio 264.12% above tier (higher cost structure)
- - Delinquency rate 0.51% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Worth Ratio: Bottom 0.4% in tier
- - Asset Growth Rate: Bottom 1.2% in tier
- - Total Assets: Bottom 1.8% in tier
- - AMR Growth Rate: Bottom 2.3% in tier
- - Total Deposits: Bottom 2.3% in tier
- - Average Member Relationship (AMR): Bottom 2.5% in tier
- - Deposit Growth Rate: Bottom 3.5% in tier
- - Total Loans: Bottom 4.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.0% in tier
- - Loan Growth Rate: Bottom 5.5% in tier
- - Total Members: Bottom 7.7% in tier
- - Fee Income Per Member: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
290
+2.8% YoY0% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
Bottom 7.7% in tier |
| Assets |
$308,485
-21.2% YoY-7.3% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.8% in tier |
| Loans |
$223,707
-20.7% YoY-7.1% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.4% in tier |
| Deposits |
$295,077
-14.3% YoY-1.2% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.3% in tier |
| ROA |
-17.7%
+184.9% YoY+27.7% QoQ
|
-18.4% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.3% in tier |
| NIM |
7.1%
+0.3% YoY+8.9% QoQ
|
+3.1% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 1.3% in tier |
| Efficiency Ratio |
345.5%
+269.6% YoY+12.4% QoQ
|
+264.1% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Top 0.6% in tier |
| Delinquency Rate |
2.0%
-80.6% YoY-40.8% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
Top 19.9% in tier |
| Loan To Share |
75.8%
-7.5% YoY-6.0% QoQ
|
+14.6% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
72nd in tier |
| AMR |
$1,789
-19.5% YoY-3.8% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.5% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
33
Net Interest Margin (NIM)
profitability
Value:
7.08%
Peer Avg: 3.93%
#33 of 2596
Top 1.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
338
Member Growth Rate
growth
Value:
2.84%
Peer Avg: 14.92%
#338 of 2596
Top 13.0% in <100M tier
Top Weaknesses (16 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2589
Return on Assets (ROA)
profitability
Value:
-17.71%
Peer Avg: 0.68%
#2589 of 2596
Bottom 0.3% in <100M tier
2586
Net Worth Ratio
risk
Value:
4.44%
Peer Avg: 16.43%
#2586 of 2596
Bottom 0.4% in <100M tier
2582
Efficiency Ratio
profitability
Value:
345.52%
Peer Avg: 81.39%
#2582 of 2596
Bottom 0.6% in <100M tier
2567
Asset Growth Rate
growth
Value:
-21.22%
Peer Avg: 1.82%
#2567 of 2596
Bottom 1.2% in <100M tier
2550
Total Assets
balance_sheet
Value:
$308,485
Peer Avg: $29.86M
#2550 of 2596
Bottom 1.8% in <100M tier
2537
AMR Growth Rate
growth
Value:
-19.46%
Peer Avg: 4.67%
#2537 of 2596
Bottom 2.3% in <100M tier
2536
Total Deposits
balance_sheet
Value:
$295,077
Peer Avg: $25.45M
#2536 of 2596
Bottom 2.3% in <100M tier
2532
Average Member Relationship (AMR)
engagement
Value:
$1,789
Peer Avg: $14,627
#2532 of 2596
Bottom 2.5% in <100M tier
2507
Deposit Growth Rate
growth
Value:
-14.30%
Peer Avg: 16.80%
#2507 of 2596
Bottom 3.5% in <100M tier