BlastPoint's Credit Union Scorecard

SYRACUSE POSTAL

Charter #24387 · NY

<100M
2508 CUs in <100M nationally 179 in 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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Tier 1
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Performance signatures (strengths & concerns)
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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)

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)

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Median: 0.65%
#1 of 2508 Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 12.45%
#1 of 2508 Top 0.1% in <100M tier
611
Average Member Relationship (AMR)
engagement
Value: $19,448
Peer Median: $13,926
#611 of 2508 Top 24.3% in <100M tier

Top Weaknesses (10 metrics)

2485
Net Interest Margin (NIM)
profitability
Value: 0.87%
Peer Median: 3.83%
#2485 of 2508 Bottom 1.0% in <100M tier
2481
Efficiency Ratio
profitability
Value: 253.77%
Peer Median: 81.45%
#2481 of 2508 Bottom 1.1% in <100M tier
2407
Loan-to-Share Ratio
balance_sheet
Value: 17.51%
Peer Median: 58.72%
#2407 of 2508 Bottom 4.1% in <100M tier
2393
Net Worth Ratio
risk
Value: 7.88%
Peer Median: 14.28%
#2393 of 2508 Bottom 4.6% in <100M tier
2350
Return on Assets (ROA)
profitability
Value: -1.48%
Peer Median: 0.61%
#2350 of 2508 Bottom 6.3% in <100M tier
2219
Net Charge-Off Rate
risk
Value: 1.20%
Peer Median: 0.07%
#2219 of 2508 Bottom 11.6% in <100M tier
1917
Loan-to-Member Ratio (LMR)
engagement
Value: $2,898
Peer Median: $4,923
#1917 of 2508 Bottom 23.6% in <100M tier
1910
Total Loans
balance_sheet
Value: $2.92M
Peer Median: $9.48M
#1910 of 2508 Bottom 23.9% in <100M tier
1890
Loan Growth Rate
growth
Value: -9.27%
Peer Median: -2.36%
#1890 of 2508 Bottom 24.7% in <100M tier
1883
Fee Income Per Member
profitability
Value: $16.40
Peer Median: $60.42
#1883 of 2508 Bottom 25.0% in <100M tier
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