BlastPoint's Credit Union Scorecard
PITNEY BOWES EMPLOYEES
Charter #1399 · CT
PITNEY BOWES EMPLOYEES has 1 strength but faces 6 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 0.12% below tier average
- - Delinquency rate 0.76% above tier average
- - Member decline: -5.5% YoY
- - Loan Growth Rate: Bottom 6.0% in tier
- - Loan-to-Share Ratio: Bottom 7.0% in tier
- - Indirect Auto Concentration (%): Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,449
-5.5% YoY-0.7% QoQ
|
+823 |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
73% |
| Assets |
$59.6M
-0.7% YoY-0.8% QoQ
|
+$29.8M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
83% |
| Loans |
$12.0M
-20.3% YoY-8.5% QoQ
|
$-3.7M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
55% |
| Deposits |
$47.7M
-1.3% YoY-1.4% QoQ
|
+$22.2M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
81% |
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| ROA |
0.6%
+162.9% YoY+50.6% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
3.1%
+5.0% YoY+1.8% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
20% |
| Efficiency Ratio |
78.4%
-11.1% YoY-5.1% QoQ
|
-3.0% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
50% |
| Delinquency Rate |
2.3%
-17.3% YoY+16.6% QoQ
|
+0.8 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
83% |
| Loan To Share |
25.3%
-19.2% YoY-7.2% QoQ
|
-36.0% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.9% in tier |
| AMR |
$17,316
-0.3% YoY-2.2% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
68% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
10.1%
-41.2% YoY-11.4% QoQ
|
-3.9% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
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)