BlastPoint's Credit Union Scorecard

U S POSTAL SERVICE

Charter #16402 · MD

1077 CUs in 100M-500M nationally 16 in MD

U S POSTAL SERVICE has 3 strengths but faces 9 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 9.0% in tier
+ AMR Growth Rate: Top 3.2% in tier
+ Members Per Employee (MPE): Top 7.7% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 0.8% in tier
- Membership Headwinds: Bottom 1.3% in tier
- Stagnation Risk: Bottom 20.5% in tier
- Efficiency Drag: Bottom 23.3% in tier
- ROA 0.59% below tier average
- Efficiency ratio 7.37% above tier (higher cost structure)
- Member decline: -13.0% YoY
- Member Growth Rate: Bottom 2.2% in tier
- Loan Growth Rate: Bottom 3.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	25,186 -13.0% YoY-0.5% QoQ	+9.6K	15,628 -3.4% YoY	34,720 +7.7% YoY	33,089 +6.1% YoY	Top 12.8% in tier
Assets	$280.9M +4.5% YoY+0.8% QoQ	+$49.6M	$231.3M -0.0% YoY	$624.1M +9.4% YoY	$547.7M +7.8% YoY	70%
Loans	$186.6M -10.1% YoY-2.2% QoQ	+$38.8M	$147.8M -1.4% YoY	$452.1M +10.3% YoY	$388.7M +8.6% YoY	72%
Deposits	$249.5M +9.1% YoY+0.8% QoQ	+$49.2M	$200.3M -0.0% YoY	$528.8M +10.3% YoY	$464.6M +9.3% YoY	71%

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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	0.2% +323.2% YoY-31.4% QoQ	-0.6%	0.8% +15.5% YoY	0.6% +23.1% YoY	0.7% +273.4% YoY	Bottom 13.5% in tier
NIM	3.2% -3.2% YoY+1.3% QoQ	-0.4%	3.6% +6.9% YoY	3.5% +4.2% YoY	3.7% +5.0% YoY	26%
Efficiency Ratio	84.7% -5.5% YoY+0.3% QoQ	+7.4%	77.3% -3.0% YoY	78.6% -6.6% YoY	79.1% -3.3% YoY	76%
Delinquency Rate	0.7% -39.9% YoY-30.4% QoQ	-0.1	0.9% +7.6% YoY	1.2% +5.3% YoY	1.2% -0.9% YoY	56%
Loan To Share	74.8% -17.5% YoY-3.0% QoQ	+2.1%	72.7% -1.5% YoY	65.0% -0.2% YoY	68.0% -1.7% YoY	51%
AMR	$17,313 +14.9% YoY+0.0% QoQ	$-7K	$24,363 +2.9% YoY	$20,685 +4.6% YoY	$19,418 +1.3% YoY	19%
CD Concentration	23.4% +0.3% YoY+1.9% QoQ	-1.0%	24.4% +4.2% YoY	20.4% +10.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	12.3% -25.3% YoY-9.1% QoQ	-1.7%	14.0% -5.7% YoY	7.4% +4.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#44 of 481 • Top 9.0% in tier

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

Why This Signature

AMR Growth (YoY): 14.87%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (4)

Institutional Decline

decline

#7 of 256 • Bottom 0.8% in tier

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

Why This Signature

Total Assets: $280.90M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -12.97%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -10.06%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline

#22 of 550 • Bottom 1.3% in tier

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

Why This Signature

Member Growth (YoY): -12.97%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk

#339 of 550 • Bottom 20.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -12.97%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -10.06%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.74%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Efficiency Drag

risk

#411 of 521 • Bottom 23.3% in tier

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

Why This Signature

Efficiency Ratio: 84.65%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.15% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -12.97%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 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 1077 peers in tier

Top Strengths (4 metrics)

AMR Growth Rate

growth

Value: 14.87%

Peer Avg: -

#35 of 1077 Top 3.2% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 475.208

Peer Avg: -

#84 of 1077 Top 7.7% in 100M-500M tier

138

Total Members

engagement

Value: 25,186

Peer Avg: -

#138 of 1077 Top 12.7% in 100M-500M tier

163

Deposit Growth Rate

growth

Value: 9.06%

Peer Avg: -

#163 of 1077 Top 15.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1054

Member Growth Rate

growth

Value: -12.97%

Peer Avg: -

#1054 of 1077 Bottom 2.2% in 100M-500M tier

1040

Loan Growth Rate

growth

Value: -10.06%

Peer Avg: -

#1040 of 1077 Bottom 3.5% in 100M-500M tier

932

Return on Assets (ROA)

profitability

Value: 0.20%

Peer Avg: -

#932 of 1077 Bottom 13.6% in 100M-500M tier

882

Net Charge-Off Rate

risk

Value: 0.73%

Peer Avg: -

#882 of 1077 Bottom 18.2% in 100M-500M tier

882

First Mortgage Concentration (%)

balance_sheet

Value: 46.48%

Peer Avg: -

#882 of 1077 Bottom 18.2% in 100M-500M tier

868

Average Member Relationship (AMR)

engagement

Value: $17,313

Peer Avg: -

#868 of 1077 Bottom 19.5% in 100M-500M tier

815

Efficiency Ratio

profitability

Value: 84.65%

Peer Avg: -

#815 of 1077 Bottom 24.4% in 100M-500M tier