BlastPoint's Credit Union Scorecard
MIDDLESEX-ESSEX POSTAL EMPLOYEES
Charter #19446 · MA
MIDDLESEX-ESSEX POSTAL EMPLOYEES has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.96% above tier average
- + Net Worth Ratio: Top 3.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.7% YoY
- - Fee Income Per Member: Bottom 8.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in Massachusetts.
- Shares and deposits -2.9% year over year ($2.9M in shares and deposits).
- Membership: 612 members, -6.7% vs a year ago.
- Delinquency rate 0.43%.
- Return on assets 1.44%.
- Efficiency ratio 70.45% vs a 88.77% peer average.
- Loan-to-share ratio 46.72% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
612
-6.7% YoY-1.3% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
17% |
| Assets |
$4.6M
-0.3% YoY-4.3% QoQ
|
$-25.6M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$1.4M
-13.9% YoY-4.8% QoQ
|
$-14.1M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.8% in tier |
| Deposits |
$2.9M
-2.9% YoY-7.3% QoQ
|
$-22.9M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
15% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.4%
-23.4% YoY+10.0% QoQ
|
+0.0% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
78% |
| NIM |
4.9%
-6.7% YoY+2.6% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Top 14.0% in tier |
| Efficiency Ratio |
70.4%
+10.2% YoY-2.7% QoQ
|
-18.3% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
27% |
| Delinquency Rate |
0.4%
-81.7% YoY-29.5% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
39% |
| Loan To Share |
46.7%
-11.3% YoY+2.7% QoQ
|
-12.2% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
31% |
| AMR |
$6,984
+0.0% YoY-5.3% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.8% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 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)