BlastPoint's Credit Union Scorecard
MERIDEN POSTAL EMPLOYEES
Charter #153 · CT
2556 CUs in <100M nationally
43 in CT
MERIDEN POSTAL EMPLOYEES has 5 strengths but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.75% above tier average
- + 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 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 3.41% below tier average
- - Efficiency ratio 76.84% above tier (higher cost structure)
- - Delinquency rate 22.17% above tier average
- - Member decline: -5.6% YoY
- - Total Members: Bottom 0.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.0% in tier
- - Total Loans: Bottom 1.8% in tier
- - Total Assets: Bottom 2.0% in tier
- - Total Deposits: Bottom 2.1% in tier
- - Loan-to-Share Ratio: Bottom 2.3% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Loan Growth Rate: Bottom 3.3% in tier
- - Asset Growth Rate: Bottom 3.6% in tier
- - Members Per Employee (MPE): Bottom 3.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.3% in tier
- - Deposit Growth Rate: Bottom 5.7% in tier
- - AMR Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51
-5.6% YoY-1.9% QoQ
|
-2.6K |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
Bottom 0.3% in tier |
| Assets |
$348,803
-11.2% YoY-8.5% QoQ
|
$-29.8M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.9% in tier |
| Loans |
$33,858
-25.5% YoY-13.9% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.8% in tier |
| Deposits |
$270,677
-11.1% YoY-10.3% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.0% in tier |
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| ROA |
-2.8%
-792.1% YoY-6.3% QoQ
|
-3.4% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.1% in tier |
| NIM |
4.7%
-27.4% YoY+23.3% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
159.4%
+70.0% YoY-10.5% QoQ
|
+76.8% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
Top 1.7% in tier |
| Delinquency Rate |
23.7%
+238.7% QoQ
|
+22.2 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
Top 1.0% in tier |
| Loan To Share |
12.5%
-16.2% YoY-4.0% QoQ
|
-48.1% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.2% in tier |
| AMR |
$5,971
-7.9% YoY-8.9% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.8% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
399
Net Worth Ratio
risk
Value:
22.40%
Peer Median: -
#399 of 2556
Top 15.6% in <100M tier
527
Net Interest Margin (NIM)
profitability
Value:
4.70%
Peer Median: -
#527 of 2556
Top 20.6% in <100M tier
Top Weaknesses (17 metrics)
2548
Total Members
engagement
Value:
51
Peer Median: -
#2548 of 2556
Bottom 0.4% in <100M tier
2532
Total Delinquency Rate (60+ days)
risk
Value:
23.73%
Peer Median: -
#2532 of 2556
Bottom 1.0% in <100M tier
2514
Efficiency Ratio
profitability
Value:
159.40%
Peer Median: -
#2514 of 2556
Bottom 1.7% in <100M tier
2511
Total Loans
balance_sheet
Value:
$33,858
Peer Median: -
#2511 of 2556
Bottom 1.8% in <100M tier
2507
Total Assets
balance_sheet
Value:
$348,803
Peer Median: -
#2507 of 2556
Bottom 2.0% in <100M tier
2504
Total Deposits
balance_sheet
Value:
$270,677
Peer Median: -
#2504 of 2556
Bottom 2.1% in <100M tier
2502
Return on Assets (ROA)
profitability
Value:
-2.79%
Peer Median: -
#2502 of 2556
Bottom 2.2% in <100M tier
2498
Loan-to-Share Ratio
balance_sheet
Value:
12.51%
Peer Median: -
#2498 of 2556
Bottom 2.3% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2473
Loan Growth Rate
growth
Value:
-25.48%
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier