BlastPoint's Credit Union Scorecard
MIDDLESEX-ESSEX POSTAL EMPLOYEES
Charter #19446 · MA
MIDDLESEX-ESSEX POSTAL EMPLOYEES has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.16% above tier average
- + Net Interest Margin 0.73% above tier average
- + Net Worth Ratio: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.9% YoY
- - Fee Income Per Member: Bottom 8.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
620
-6.9% YoY-1.9% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$4.9M
+3.4% YoY+2.7% QoQ
|
$-25.3M |
$30.2M
+1.3% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$1.4M
-13.2% YoY-5.5% QoQ
|
$-13.9M |
$15.3M
-2.0% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 14.3% in tier |
| Deposits |
$3.1M
+2.8% YoY+3.6% QoQ
|
$-22.6M |
$25.8M
+0.7% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
1.3%
-40.5% YoY-23.9% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
4.7%
-13.7% YoY-7.4% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
84% |
| Efficiency Ratio |
72.4%
+21.0% YoY+13.6% QoQ
|
-18.2% |
90.6%
+6.5% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
29% |
| Delinquency Rate |
0.6%
-79.3% YoY-5.3% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
48% |
| Loan To Share |
45.5%
-15.6% YoY-8.8% QoQ
|
-13.0% |
58.5%
-3.0% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$7,373
+4.4% YoY+2.6% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
16% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 25.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.3% | 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)