BlastPoint's Credit Union Scorecard
MOUNT VERNON NY POSTAL EMPLOYEES
Charter #132 · NY
MOUNT VERNON NY POSTAL EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.12% above tier average
- + Net Charge-Off Rate: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.90% below tier average
- - Efficiency ratio 25.11% above tier (higher cost structure)
- - Delinquency rate 2.20% above tier average
- - Member decline: -14.5% YoY
- - Total Members: Bottom 2.6% in tier
- - Member Growth Rate: Bottom 3.1% in tier
- - Total Loans: Bottom 3.8% in tier
- - Members Per Employee (MPE): Bottom 4.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits -9.6% year over year ($857K in shares and deposits).
- Membership: 141 members, -14.5% vs a year ago.
- Delinquency rate 3.75%.
- Return on assets 0.59%.
- Efficiency ratio 113.88% vs a 88.77% peer average.
- Loan-to-share ratio 19.75% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
141
-14.5% YoY-1.4% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 2.6% in tier |
| Assets |
$1.0M
-9.2% YoY-0.8% QoQ
|
$-29.2M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.4% in tier |
| Loans |
$169,300
-2.4% YoY+8.3% QoQ
|
$-15.3M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 3.7% in tier |
| Deposits |
$857,397
-9.6% YoY-0.7% QoQ
|
$-24.9M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.9% in tier |
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| ROA |
0.6%
-87.1% YoY-202.7% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
37% |
| NIM |
4.0%
-5.1% YoY-4.7% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
113.9%
+108.0% YoY+0.8% QoQ
|
+25.1% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.9% in tier |
| Delinquency Rate |
3.7%
+632.0% QoQ
|
+2.2 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.0% in tier |
| Loan To Share |
19.7%
+7.9% YoY+9.0% QoQ
|
-39.1% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 5.1% in tier |
| AMR |
$7,282
+7.1% YoY+2.1% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)