MIDDLESEX-ESSEX POSTAL EMPLOYEES
Charter #19446 | MA
<100M
(2596 CUs)
Micro
($0-$500M)
68 <100M in MA
MIDDLESEX-ESSEX POSTAL EMPLOYEES has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.09% above tier average
- + Net Interest Margin 1.15% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.42% above tier average
- - Member decline: -3.7% YoY
- - Fee Income Per Member: Bottom 7.7% in tier
- - Loan Growth Rate: Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
644
-3.7% YoY-1.8% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 17.9% in tier |
| Assets |
$4.7M
+2.4% YoY+1.4% QoQ
|
$-25.1M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 18.3% in tier |
| Loans |
$1.6M
-17.4% YoY-1.6% QoQ
|
$-14.2M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 15.1% in tier |
| Deposits |
$3.0M
+1.2% YoY+1.6% QoQ
|
$-22.4M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 16.0% in tier |
| ROA |
1.8%
+10.9% YoY-5.9% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Top 13.1% in tier |
| NIM |
5.1%
-5.8% YoY-2.4% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Top 12.8% in tier |
| Efficiency Ratio |
65.2%
+9.3% YoY+2.0% QoQ
|
-16.2% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 22.1% in tier |
| Delinquency Rate |
1.9%
-40.2% YoY-17.6% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Top 21.1% in tier |
| Loan To Share |
51.0%
-18.4% YoY-3.1% QoQ
|
-10.2% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
34th in tier |
| AMR |
$7,147
-2.3% YoY+2.4% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 15.4% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
96
Net Worth Ratio
risk
Value:
35.41%
Peer Avg: 16.43%
#96 of 2596
Top 3.7% in <100M tier
333
Net Interest Margin (NIM)
profitability
Value:
5.08%
Peer Avg: 3.93%
#333 of 2596
Top 12.8% in <100M tier
341
Return on Assets (ROA)
profitability
Value:
1.77%
Peer Avg: 0.68%
#341 of 2596
Top 13.1% in <100M tier
574
Efficiency Ratio
profitability
Value:
65.21%
Peer Avg: 81.39%
#574 of 2596
Top 22.1% in <100M tier
Top Weaknesses (9 metrics)
2396
Fee Income Per Member
profitability
Value:
$1.05
Peer Avg: $182.96
#2396 of 2596
Bottom 7.7% in <100M tier
2381
Loan Growth Rate
growth
Value:
-17.39%
Peer Avg: 59.01%
#2381 of 2596
Bottom 8.3% in <100M tier
2203
Total Loans
balance_sheet
Value:
$1.56M
Peer Avg: $15.77M
#2203 of 2596
Bottom 15.2% in <100M tier
2195
Average Member Relationship (AMR)
engagement
Value:
$7,147
Peer Avg: $14,627
#2195 of 2596
Bottom 15.5% in <100M tier
2181
Total Deposits
balance_sheet
Value:
$3.05M
Peer Avg: $25.45M
#2181 of 2596
Bottom 16.0% in <100M tier
2150
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,415
Peer Avg: $5,488
#2150 of 2596
Bottom 17.2% in <100M tier
2132
Total Members
engagement
Value:
644
Peer Avg: 2,626
#2132 of 2596
Bottom 17.9% in <100M tier
2120
Total Assets
balance_sheet
Value:
$4.72M
Peer Avg: $29.86M
#2120 of 2596
Bottom 18.4% in <100M tier
2049
Total Delinquency Rate (60+ days)
risk
Value:
1.93%
Peer Avg: 1.51%
#2049 of 2596
Bottom 21.1% in <100M tier