MERIDEN POSTAL EMPLOYEES
Charter #153 | CT
<100M
(2596 CUs)
Micro
($0-$500M)
45 <100M in CT
MERIDEN POSTAL EMPLOYEES has 5 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 6.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 3.66% below tier average
- - Efficiency ratio 96.76% above tier (higher cost structure)
- - Delinquency rate 5.50% above tier average
- - Member decline: -11.9% YoY
- - Total Members: Bottom 0.3% in tier
- - Total Loans: Bottom 2.0% in tier
- - Total Assets: Bottom 2.3% in tier
- - Loan-to-Share Ratio: Bottom 2.5% in tier
- - Total Deposits: Bottom 2.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.7% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Members Per Employee (MPE): Bottom 3.9% in tier
- - Member Growth Rate: Bottom 4.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
52
-11.9% YoY0% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
Bottom 0.3% in tier |
| Assets |
$381,370
-1.5% YoY-3.0% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.3% in tier |
| Loans |
$39,302
-11.3% YoY-10.1% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.9% in tier |
| Deposits |
$301,699
+1.1% YoY-2.1% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.5% in tier |
| ROA |
-3.0%
-2187.0% YoY+68.2% QoQ
|
-3.7% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.1% in tier |
| NIM |
3.8%
-32.6% YoY-24.4% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
47th in tier |
| Efficiency Ratio |
178.2%
+82.8% YoY+31.8% QoQ
|
+96.8% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Top 1.6% in tier |
| Delinquency Rate | 7.0% | +5.5 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
Top 3.7% in tier |
| Loan To Share |
13.0%
-12.2% YoY-8.2% QoQ
|
-48.2% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.3% in tier |
| AMR |
$6,558
+12.8% YoY-3.1% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.6% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
156
AMR Growth Rate
growth
Value:
12.84%
Peer Avg: 4.67%
#156 of 2596
Top 6.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
509
Net Worth Ratio
risk
Value:
20.89%
Peer Avg: 16.43%
#509 of 2596
Top 19.6% in <100M tier
Top Weaknesses (14 metrics)
2588
Total Members
engagement
Value:
52
Peer Avg: 2,626
#2588 of 2596
Bottom 0.3% in <100M tier
2555
Efficiency Ratio
profitability
Value:
178.15%
Peer Avg: 81.39%
#2555 of 2596
Bottom 1.6% in <100M tier
2546
Total Loans
balance_sheet
Value:
$39,302
Peer Avg: $15.77M
#2546 of 2596
Bottom 2.0% in <100M tier
2542
Return on Assets (ROA)
profitability
Value:
-2.98%
Peer Avg: 0.68%
#2542 of 2596
Bottom 2.1% in <100M tier
2537
Total Assets
balance_sheet
Value:
$381,370
Peer Avg: $29.86M
#2537 of 2596
Bottom 2.3% in <100M tier
2533
Loan-to-Share Ratio
balance_sheet
Value:
13.03%
Peer Avg: 61.23%
#2533 of 2596
Bottom 2.5% in <100M tier
2532
Total Deposits
balance_sheet
Value:
$301,699
Peer Avg: $25.45M
#2532 of 2596
Bottom 2.5% in <100M tier
2502
Total Delinquency Rate (60+ days)
risk
Value:
7.00%
Peer Avg: 1.51%
#2502 of 2596
Bottom 3.7% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2495
Members Per Employee (MPE)
engagement
Value:
52.000
Peer Avg: 365.701
#2495 of 2596
Bottom 3.9% in <100M tier