BlastPoint's Credit Union Scorecard

U S POSTAL SERVICE

Charter #16402 · MD

100M-500M

1070 CUs in 100M-500M nationally 15 in MD

U S POSTAL SERVICE has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ AMR Growth Rate: Top 3.4% in tier
+ Members Per Employee (MPE): Top 6.8% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.61% below tier average
- Efficiency ratio 14.66% above tier (higher cost structure)
- Member decline: -12.3% YoY
- Member Growth Rate: Bottom 2.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	25,317 -12.3% YoY+0.5% QoQ	+10.2K	15,145 -2.5% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	Top 11.9% in tier
Assets	$286.3M +2.4% YoY+0.9% QoQ	+$54.6M	$231.7M +0.8% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	71%
Loans	$190.2M -1.4% YoY-2.2% QoQ	+$46.1M	$144.1M +0.2% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	73%
Deposits	$255.6M +2.7% YoY+1.2% QoQ	+$54.5M	$201.1M +0.4% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	72%

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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% -54.3% YoY+20.4% QoQ	-0.6%	0.7% +5.1% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	Bottom 12.3% in tier
NIM	3.1% +0.2% YoY-1.9% QoQ	-0.6%	3.6% +4.6% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	18%
Efficiency Ratio	92.7% +2.9% YoY+6.6% QoQ	+14.7%	78.0% -1.7% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	Bottom 10.1% in tier
Delinquency Rate	0.8% -5.8% YoY+16.0% QoQ	+0.0	0.8% +7.1% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	62%
Loan To Share	74.4% -4.1% YoY-3.3% QoQ	+4.0%	70.4% -0.4% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	54%
AMR	$17,609 +15.0% YoY-0.8% QoQ	$-7K	$24,918 +2.7% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	19%
CD Concentration	22.6% -1.1% YoY-0.7% QoQ	-1.7%	24.3%	21.1%	19.8%	50%
Indirect Auto %	10.9% -24.8% YoY+2.2% QoQ	-2.9%	13.8%	7.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#47 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 15.04%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#23 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -12.28%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#61 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -12.28%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.45%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.76%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#71 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $286.33M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -12.28%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.45%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Efficiency Drag

risk

#256 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 92.69%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -12.28%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (3 metrics)

AMR Growth Rate

growth

Value: 15.04%

Peer Median: 3.46%

#37 of 1070 Top 3.4% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 486.865

Peer Median: 309.176

#74 of 1070 Top 6.8% in 100M-500M tier

127

Total Members

engagement

Value: 25,317

Peer Median: 13,200

#127 of 1070 Top 11.8% in 100M-500M tier

Top Weaknesses (7 metrics)

1049

Member Growth Rate

growth

Value: -12.28%

Peer Median: -0.06%

#1049 of 1070 Bottom 2.1% in 100M-500M tier

963

Efficiency Ratio

profitability

Value: 92.69%

Peer Median: 78.68%

#963 of 1070 Bottom 10.1% in 100M-500M tier

938

Return on Assets (ROA)

profitability

Value: 0.12%

Peer Median: 0.69%

#938 of 1070 Bottom 12.4% in 100M-500M tier

872

Net Interest Margin (NIM)

profitability

Value: 3.08%

Peer Median: 3.62%

#872 of 1070 Bottom 18.6% in 100M-500M tier

866

Average Member Relationship (AMR)

engagement

Value: $17,609

Peer Median: $22,931

#866 of 1070 Bottom 19.2% in 100M-500M tier

859

First Mortgage Concentration (%)

balance_sheet

Value: 45.47%

Peer Median: 29.47%

#859 of 1070 Bottom 19.8% in 100M-500M tier

822

Fee Income Per Member

profitability

Value: $107.10

Peer Median: $154.95

#822 of 1070 Bottom 23.3% in 100M-500M tier