BlastPoint's Credit Union Scorecard
SYRACUSE POSTAL
Charter #24387 · NY
SYRACUSE POSTAL has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.63% below tier average
- - Efficiency ratio 163.13% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 1.0% in tier
- - Loan-to-Share Ratio: Bottom 4.1% in tier
- - Net Worth Ratio: Bottom 4.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,009
-1.4% YoY0% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$18.3M
+0.9% YoY+0.9% QoQ
|
$-11.9M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
46% |
| Loans |
$2.9M
-9.3% YoY-4.2% QoQ
|
$-12.4M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$16.7M
+1.5% YoY+1.4% QoQ
|
$-9.1M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
47% |
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| ROA |
-1.5%
-1062.6% YoY-1815.5% QoQ
|
-1.6% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.3% in tier |
| NIM |
0.9%
-56.5% YoY-55.1% QoQ
|
-3.1% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.9% in tier |
| Efficiency Ratio |
253.8%
+173.3% YoY+164.9% QoQ
|
+163.1% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.1% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
17.5%
-10.6% YoY-5.6% QoQ
|
-41.0% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.9% in tier |
| AMR |
$19,448
+1.1% YoY+0.6% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
76% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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)