BlastPoint's Credit Union Scorecard

U S POSTAL SERVICE

Charter #16402 · MD

1069 CUs in 100M-500M nationally 16 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 8.2% in tier
+ AMR Growth Rate: Top 3.0% in tier
+ Members Per Employee (MPE): Top 8.0% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 4.3% in tier
- Stagnation Risk: Bottom 11.9% in tier
- Institutional Decline: Bottom 18.4% in tier
- Efficiency Drag: Bottom 80.3% in tier
- ROA 0.66% below tier average
- Efficiency ratio 9.95% above tier (higher cost structure)
- Member decline: -11.9% YoY
- Member Growth Rate: Bottom 2.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	25,185 -11.9% YoY-0.0% QoQ	+9.7K	15,437 -2.9% YoY	34,239 +5.1% YoY	33,374 +5.7% YoY	Top 12.6% in tier
Assets	$283.8M +5.4% YoY+1.0% QoQ	+$52.0M	$231.9M +1.3% YoY	$633.8M +10.2% YoY	$561.6M +9.7% YoY	71%
Loans	$194.4M -3.1% YoY+4.2% QoQ	+$47.1M	$147.3M -0.1% YoY	$458.0M +9.3% YoY	$397.0M +8.8% YoY	74%
Deposits	$252.5M +5.9% YoY+1.2% QoQ	+$51.7M	$200.8M +0.8% YoY	$535.8M +9.7% YoY	$477.3M +9.7% 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% -139.6% YoY-50.4% QoQ	-0.7%	0.8% +18.2% YoY	0.6% +24.3% YoY	0.7% +15.9% YoY	Bottom 8.9% in tier
NIM	3.1% -4.1% YoY-0.5% QoQ	-0.5%	3.6% +6.7% YoY	3.5% +4.9% YoY	3.8% +5.1% YoY	24%
Efficiency Ratio	87.0% -4.3% YoY+2.7% QoQ	+10.0%	77.0% -3.1% YoY	79.3% -5.8% YoY	79.7% -3.3% YoY	84%
Delinquency Rate	0.7% -16.3% YoY-11.5% QoQ	-0.2	0.9% +4.2% YoY	1.3% -2.3% YoY	1.3% -2.1% YoY	46%
Loan To Share	77.0% -8.4% YoY+2.9% QoQ	+4.8%	72.2% -1.1% YoY	65.5% +0.8% YoY	67.4% -1.7% YoY	55%
AMR	$17,746 +15.6% YoY+2.5% QoQ	$-7K	$24,676 +3.4% YoY	$21,154 +5.1% YoY	$19,687 +2.0% YoY	20%
CD Concentration	22.7% -1.7% YoY-3.0% QoQ	-1.7%	24.4%	20.4%	19.8%	50%
Indirect Auto %	10.6% -30.7% YoY-13.7% QoQ	-3.2%	13.8%	7.3%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#43 of 513 • Top 8.2% in tier

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

Why This Signature

AMR Growth (YoY): 15.59%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#25 of 554 • Bottom 4.3% in tier

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

Why This Signature

Member Growth (YoY): -11.95%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#67 of 554 • Bottom 11.9% 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): -11.95%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.07%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.66%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#45 of 240 • Bottom 18.4% in tier

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

Why This Signature

Total Assets: $283.83M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -11.95%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.07%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Efficiency Drag

risk

#432 of 538 • Bottom 80.3% in tier

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

Why This Signature

Efficiency Ratio: 86.97%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.35% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -11.95%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 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 1069 peers in tier

Top Strengths (3 metrics)

AMR Growth Rate

growth

Value: 15.59%

Peer Median: -

#33 of 1069 Top 3.0% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 475.189

Peer Median: -

#87 of 1069 Top 8.0% in 100M-500M tier

135

Total Members

engagement

Value: 25,185

Peer Median: -

#135 of 1069 Top 12.5% in 100M-500M tier

Top Weaknesses (8 metrics)

1047

Member Growth Rate

growth

Value: -11.95%

Peer Median: -

#1047 of 1069 Bottom 2.2% in 100M-500M tier

974

Return on Assets (ROA)

profitability

Value: 0.10%

Peer Median: -

#974 of 1069 Bottom 9.0% in 100M-500M tier

896

Efficiency Ratio

profitability

Value: 86.97%

Peer Median: -

#896 of 1069 Bottom 16.3% in 100M-500M tier

874

Loan Growth Rate

growth

Value: -3.07%

Peer Median: -

#874 of 1069 Bottom 18.3% in 100M-500M tier

870

Net Charge-Off Rate

risk

Value: 0.73%

Peer Median: -

#870 of 1069 Bottom 18.7% in 100M-500M tier

854

Average Member Relationship (AMR)

engagement

Value: $17,746

Peer Median: -

#854 of 1069 Bottom 20.2% in 100M-500M tier

846

First Mortgage Concentration (%)

balance_sheet

Value: 44.24%

Peer Median: -

#846 of 1069 Bottom 21.0% in 100M-500M tier

813

Net Interest Margin (NIM)

profitability

Value: 3.14%

Peer Median: -

#813 of 1069 Bottom 24.0% in 100M-500M tier