BlastPoint's Credit Union Scorecard

PITNEY BOWES EMPLOYEES

Charter #1399 · CT

<100M

2508 CUs in <100M nationally 43 in CT

PITNEY BOWES EMPLOYEES faces 4 concerns requiring attention

National Analysis

How does the industry compare?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.05% below tier average
- Member decline: -4.3% YoY
- Loan Growth Rate: Bottom 6.3% in tier
- Loan-to-Share Ratio: Bottom 6.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	3,352 -4.3% YoY-1.7% QoQ	+675	2,676 +1.6% YoY	14,157 +8.2% YoY	33,913 +5.7% YoY	72%
Assets	$58.5M -4.9% YoY+1.9% QoQ	+$28.3M	$30.2M +1.3% YoY	$246.5M +13.9% YoY	$578.3M +9.0% YoY	82%
Loans	$11.3M -19.9% YoY-5.1% QoQ	$-4.0M	$15.3M -2.0% YoY	$136.3M +13.4% YoY	$402.4M +8.7% YoY	55%
Deposits	$46.7M -6.3% YoY+2.6% QoQ	+$20.9M	$25.8M +0.7% YoY	$217.1M +13.8% YoY	$494.3M +9.1% YoY	80%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -39.8% YoY-75.1% QoQ	-0.1%	0.1% -77.6% YoY	0.6% +218.7% YoY	0.4% -39.2% YoY	25%
NIM	2.9% -0.7% YoY-5.2% QoQ	-1.1%	4.0% +4.0% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	16%
Efficiency Ratio	89.6% +7.1% YoY+10.2% QoQ	-1.1%	90.6% +6.5% YoY	83.6% -6.8% YoY	84.6% +2.8% YoY	68%
Delinquency Rate	1.4% -4.4% YoY-12.5% QoQ	-0.1	1.5% +3.8% YoY	2.5% +122.5% YoY	1.2% +3.4% YoY	73%
Loan To Share	24.2% -14.5% YoY-7.5% QoQ	-34.3%	58.5% -3.0% YoY	52.8% -1.3% YoY	65.6% -1.4% YoY	Bottom 6.7% in tier
AMR	$17,305 -5.2% YoY+2.7% QoQ	+$2K	$14,884 -1.7% YoY	$17,581 +5.9% YoY	$19,920 +1.6% YoY	67%
CD Concentration	0.0%	-24.3%	24.3%	14.5%	19.8%	50%
Indirect Auto %	6.5% -47.6% YoY-17.4% QoQ	-7.3%	13.8%	4.5%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

454

Total Assets

balance_sheet

Value: $58.47M

Peer Median: $21.86M

#454 of 2508 Top 18.1% in <100M tier

507

Total Deposits

balance_sheet

Value: $46.70M

Peer Median: $18.77M

#507 of 2508 Top 20.2% in <100M tier

574

Net Worth Ratio

risk

Value: 19.76%

Peer Median: 14.28%

#574 of 2508 Top 22.8% in <100M tier

Top Weaknesses (8 metrics)

2350

Loan Growth Rate

growth

Value: -19.87%

Peer Median: -2.36%

#2350 of 2508 Bottom 6.3% in <100M tier

2338

Loan-to-Share Ratio

balance_sheet

Value: 24.21%

Peer Median: 58.72%

#2338 of 2508 Bottom 6.8% in <100M tier

2257

Indirect Auto Concentration (%)

balance_sheet

Value: 6.51%

Peer Median: 0.00%

#2257 of 2508 Bottom 10.0% in <100M tier

2167

Deposit Growth Rate

growth

Value: -6.29%

Peer Median: 0.66%

#2167 of 2508 Bottom 13.6% in <100M tier

2150

Asset Growth Rate

growth

Value: -4.90%

Peer Median: 1.30%

#2150 of 2508 Bottom 14.3% in <100M tier

2094

Net Interest Margin (NIM)

profitability

Value: 2.93%

Peer Median: 3.83%

#2094 of 2508 Bottom 16.5% in <100M tier

2093

AMR Growth Rate

growth

Value: -5.17%

Peer Median: 1.27%

#2093 of 2508 Bottom 16.6% in <100M tier

1989

Member Growth Rate

growth

Value: -4.34%

Peer Median: -1.37%

#1989 of 2508 Bottom 20.7% in <100M tier