BlastPoint's Credit Union Scorecard
PITNEY BOWES EMPLOYEES
Charter #1399 · CT
PITNEY BOWES EMPLOYEES has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Delinquency rate 0.09% above tier average
- - Member decline: -5.3% YoY
- - Loan Growth Rate: Bottom 5.0% in tier
- - Loan-to-Share Ratio: Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,409
-5.3% YoY-1.2% QoQ
|
+793 |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$57.4M
-5.5% YoY-3.7% QoQ
|
+$27.3M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$11.9M
-21.1% YoY-1.1% QoQ
|
$-3.8M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
55% |
| Deposits |
$45.5M
-7.1% YoY-4.6% QoQ
|
+$19.8M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
0.4%
+191.3% YoY-31.2% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
3.1%
+4.8% YoY+0.8% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
81.3%
-9.5% YoY+3.6% QoQ
|
-1.3% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
1.6%
-34.7% YoY-27.6% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
26.2%
-15.0% YoY+3.7% QoQ
|
-34.4% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.2% in tier |
| AMR |
$16,843
-5.4% YoY-2.7% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % |
7.9%
-44.7% YoY-21.7% QoQ
|
-5.9% | 13.8% | 4.6% | 7.8% | 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)