BlastPoint's Credit Union Scorecard
MERIDEN POSTAL EMPLOYEES
Charter #153 · CT
MERIDEN POSTAL EMPLOYEES faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 3.96% below tier average
- - Efficiency ratio 134.03% above tier (higher cost structure)
- - Delinquency rate 23.57% above tier average
- - Member decline: -5.6% YoY
- - Total Members: Bottom 0.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.9% in tier
- - Total Loans: Bottom 1.6% in tier
- - Total Assets: Bottom 1.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51
-5.6% YoY0% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
Bottom 0.2% in tier |
| Assets |
$350,269
-10.9% YoY+0.4% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.8% in tier |
| Loans |
$29,899
-32.8% YoY-11.7% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.6% in tier |
| Deposits |
$275,485
-10.3% YoY+1.8% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.0% in tier |
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| ROA |
-3.8%
+82.3% YoY+36.6% QoQ
|
-4.0% |
0.1%
-77.6% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.6% in tier |
| NIM |
3.1%
-17.6% YoY-34.9% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
20% |
| Efficiency Ratio |
224.7%
+43.7% YoY+40.9% QoQ
|
+134.0% |
90.6%
+6.5% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.3% in tier |
| Delinquency Rate |
25.1%
+8108.5% YoY+5.7% QoQ
|
+23.6 |
1.5%
+3.8% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 0.9% in tier |
| Loan To Share |
10.9%
-25.1% YoY-13.2% QoQ
|
-47.7% |
58.5%
-3.0% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.1% in tier |
| AMR |
$5,988
-8.0% YoY+0.3% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.6% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.5% | 7.7% | 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)