BlastPoint's Credit Union Scorecard
MOUNT VERNON NY POSTAL EMPLOYEES
Charter #132 · NY
2596 CUs in <100M nationally
188 in NY
MOUNT VERNON NY POSTAL EMPLOYEES has 8 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.13% above tier average
- + Net Interest Margin 0.42% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + 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 0.2% in tier
- + Fee Income Per Member: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.2% YoY
- - Total Members: Bottom 2.9% in tier
- - Loan-to-Share Ratio: Bottom 3.7% in tier
- - Total Loans: Bottom 4.0% in tier
- - Members Per Employee (MPE): Bottom 4.6% in tier
- - Loan Growth Rate: Bottom 6.2% in tier
- - Total Assets: Bottom 6.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.6% in tier
- - Total Deposits: Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
146
-5.2% YoY-11.5% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 2.8% in tier |
| Assets |
$1.2M
+5.6% YoY+1.6% QoQ
|
$-28.7M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.5% in tier |
| Loans |
$166,697
-20.2% YoY-3.9% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.0% in tier |
| Deposits |
$968,321
+4.2% YoY+2.1% QoQ
|
$-24.5M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.2% in tier |
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| ROA |
2.8%
+595.6% YoY-38.4% QoQ
|
+2.1% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 2.7% in tier |
| NIM |
4.4%
-4.7% YoY+2.7% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
66.8%
-24.3% YoY+22.0% QoQ
|
-14.6% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
17.2%
-23.4% YoY-6.0% QoQ
|
-44.0% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.5% in tier |
| AMR |
$7,774
+5.2% YoY+14.4% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
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 (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
7
Net Charge-Off Rate
risk
Value:
-2.13%
Peer Avg: -
#7 of 2596
Top 0.2% in <100M tier
69
Return on Assets (ROA)
profitability
Value:
2.81%
Peer Avg: -
#69 of 2596
Top 2.6% in <100M tier
98
Fee Income Per Member
profitability
Value:
$242.37
Peer Avg: -
#98 of 2596
Top 3.7% in <100M tier
585
Asset Growth Rate
growth
Value:
5.59%
Peer Avg: -
#585 of 2596
Top 22.5% in <100M tier
639
Efficiency Ratio
profitability
Value:
66.78%
Peer Avg: -
#639 of 2596
Top 24.6% in <100M tier
Top Weaknesses (10 metrics)
2523
Total Members
engagement
Value:
146
Peer Avg: -
#2523 of 2596
Bottom 2.9% in <100M tier
2502
Loan-to-Share Ratio
balance_sheet
Value:
17.22%
Peer Avg: -
#2502 of 2596
Bottom 3.7% in <100M tier
2492
Total Loans
balance_sheet
Value:
$166,697
Peer Avg: -
#2492 of 2596
Bottom 4.0% in <100M tier
2477
Members Per Employee (MPE)
engagement
Value:
73.000
Peer Avg: -
#2477 of 2596
Bottom 4.6% in <100M tier
2437
Loan Growth Rate
growth
Value:
-20.20%
Peer Avg: -
#2437 of 2596
Bottom 6.2% in <100M tier
2427
Total Assets
balance_sheet
Value:
$1.15M
Peer Avg: -
#2427 of 2596
Bottom 6.5% in <100M tier
2425
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,142
Peer Avg: -
#2425 of 2596
Bottom 6.6% in <100M tier
2410
Total Deposits
balance_sheet
Value:
$968,321
Peer Avg: -
#2410 of 2596
Bottom 7.2% in <100M tier
2179
Member Growth Rate
growth
Value:
-5.19%
Peer Avg: -
#2179 of 2596
Bottom 16.1% in <100M tier
2121
Average Member Relationship (AMR)
engagement
Value:
$7,774
Peer Avg: -
#2121 of 2596
Bottom 18.3% in <100M tier