U S POSTAL SERVICE

Charter #16402 | MD

100M-500M (1077 CUs) Micro
16 100M-500M in MD

U S POSTAL SERVICE has 4 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 1.6% in tier
  • + Relationship Depth Leader: Top 15.1% 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
 70th in tier
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
 72nd in tier
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
 71st in tier
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
 26th in tier
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
 Top 24.4% in tier
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
 56th in tier
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
 51st in tier
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
 Bottom 19.4% in tier
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
 50th in tier
Indirect Auto % 12.3%
-25.3% YoY-9.1% QoQ
 -1.7% 14.0%
-5.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#44 of 1006 • Top 1.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 14.87%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#416 of 1006 • Top 15.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 14.87%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 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: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -12.97%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -10.06%
(Tier: 3.64%, 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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.20%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -12.97%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $17.3K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 23.42%
(Tier: 24.41%, National: 19.60%)
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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

35
AMR Growth Rate
growth
Value: 14.87%
Peer Avg: 3.64%
#35 of 1077 Top 3.2% in 100M-500M tier
84
Members Per Employee (MPE)
engagement
Value: 475.208
Peer Avg: 332.881
#84 of 1077 Top 7.7% in 100M-500M tier
138
Total Members
engagement
Value: 25,186
Peer Avg: 15,628
#138 of 1077 Top 12.7% in 100M-500M tier
163
Deposit Growth Rate
growth
Value: 9.06%
Peer Avg: 4.69%
#163 of 1077 Top 15.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1054
Member Growth Rate
growth
Value: -12.97%
Peer Avg: 0.72%
#1054 of 1077 Bottom 2.2% in 100M-500M tier
1040
Loan Growth Rate
growth
Value: -10.06%
Peer Avg: 3.45%
#1040 of 1077 Bottom 3.5% in 100M-500M tier
932
Return on Assets (ROA)
profitability
Value: 0.20%
Peer Avg: 0.79%
#932 of 1077 Bottom 13.6% in 100M-500M tier
882
Net Charge-Off Rate
risk
Value: 0.73%
Peer Avg: 0.47%
#882 of 1077 Bottom 18.2% in 100M-500M tier
882
First Mortgage Concentration (%)
balance_sheet
Value: 46.48%
Peer Avg: 30.43%
#882 of 1077 Bottom 18.2% in 100M-500M tier
868
Average Member Relationship (AMR)
engagement
Value: $17,313
Peer Avg: $24,363
#868 of 1077 Bottom 19.5% in 100M-500M tier
815
Efficiency Ratio
profitability
Value: 84.65%
Peer Avg: 77.28%
#815 of 1077 Bottom 24.4% in 100M-500M tier