BlastPoint's Credit Union Scorecard
PINE BLUFF POSTAL
Charter #24423 · AR
<100M
2675 CUs in <100M nationally
47 in AR
PINE BLUFF POSTAL has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.91% above tier average
- + Loan-to-Share Ratio: Top 0.3% in tier
- + Net Worth Ratio: Top 1.1% in tier
- + Net Charge-Off Rate: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - ROA 5.72% below tier average
- - Efficiency ratio 96.96% above tier (higher cost structure)
- - Member decline: -15.6% YoY
- - AMR Growth Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Total Members: Bottom 0.8% in tier
Core Metrics
As of 2025-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
65
-15.6% YoY-7.1% QoQ
|
-2.6K |
2,634
-1.7% YoY
|
7,221
+4.3% YoY
|
32,082
+5.7% YoY
|
Bottom 0.7% in tier |
| Assets |
$310,401
-16.4% YoY-1.2% QoQ
|
$-29.5M |
$29.8M
+1.1% YoY
|
$97.0M
+10.2% YoY
|
$530.6M
+6.3% YoY
|
Bottom 1.8% in tier |
| Loans |
$211,458
-29.8% YoY-11.8% QoQ
|
$-15.4M |
$15.6M
-2.4% YoY
|
$68.0M
+10.3% YoY
|
$370.4M
+7.0% YoY
|
Bottom 4.3% in tier |
| Deposits |
$161,820
-24.0% YoY-0.1% QoQ
|
$-25.4M |
$25.6M
+0.4% YoY
|
$79.4M
+8.9% YoY
|
$453.0M
+8.2% YoY
|
Bottom 1.2% in tier |
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| ROA |
-5.1%
+242.8% YoY+51.8% QoQ
|
-5.7% |
0.7%
+2.7% YoY
|
-0.0%
-110.8% YoY
|
0.6%
+4.8% YoY
|
Bottom 1.4% in tier |
| NIM |
5.8%
-21.0% YoY-21.3% QoQ
|
+1.9% |
3.9%
+4.7% YoY
|
4.3%
+7.2% YoY
|
3.6%
+5.4% YoY
|
Top 5.3% in tier |
| Efficiency Ratio |
182.0%
+53.6% YoY+29.8% QoQ
|
+97.0% |
85.1%
-4.4% YoY
|
92.1%
+7.2% YoY
|
82.3%
-3.9% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate |
1.5%
+13.4% QoQ
|
+0.0 |
1.4%
+1.0% YoY
|
1.4%
-5.8% YoY
|
1.1%
+2.1% YoY
|
75% |
| Loan To Share |
130.7%
-7.7% YoY-11.8% QoQ
|
+70.3% |
60.3%
-2.8% YoY
|
73.4%
+0.0% YoY
|
66.5%
-2.1% YoY
|
Top 0.5% in tier |
| AMR |
$5,743
-14.0% YoY+0.1% QoQ
|
$-9K |
$15,144
+0.3% YoY
|
$12,233
+0.5% YoY
|
$19,598
+2.2% YoY
|
Bottom 11.1% in tier |
| CD Concentration | 0.0% | - | - | - | - | 50% |
| Indirect Auto % | 0.0% | - | - | - | - | 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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2675
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2675
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2675
Top 0.1% in <100M tier
10
Loan-to-Share Ratio
balance_sheet
Value:
130.67%
Peer Median: -
#10 of 2675
Top 0.3% in <100M tier
31
Net Worth Ratio
risk
Value:
46.57%
Peer Median: -
#31 of 2675
Top 1.1% in <100M tier
32
Net Charge-Off Rate
risk
Value:
-1.06%
Peer Median: -
#32 of 2675
Top 1.2% in <100M tier
143
Net Interest Margin (NIM)
profitability
Value:
5.77%
Peer Median: -
#143 of 2675
Top 5.3% in <100M tier
Top Weaknesses (12 metrics)
2675
AMR Growth Rate
growth
Value:
-
Peer Median: -
#2675 of 2675
Bottom 0.1% in <100M tier
2675
Member Growth Rate
growth
Value:
-
Peer Median: -
#2675 of 2675
Bottom 0.1% in <100M tier
2675
Asset Growth Rate
growth
Value:
-
Peer Median: -
#2675 of 2675
Bottom 0.1% in <100M tier
2675
Loan Growth Rate
growth
Value:
-
Peer Median: -
#2675 of 2675
Bottom 0.1% in <100M tier
2655
Total Members
engagement
Value:
65
Peer Median: -
#2655 of 2675
Bottom 0.8% in <100M tier
2643
Total Deposits
balance_sheet
Value:
$161,820
Peer Median: -
#2643 of 2675
Bottom 1.2% in <100M tier
2641
Efficiency Ratio
profitability
Value:
180.52%
Peer Median: -
#2641 of 2675
Bottom 1.3% in <100M tier
2637
Return on Assets (ROA)
profitability
Value:
-5.07%
Peer Median: -
#2637 of 2675
Bottom 1.5% in <100M tier
2628
Total Assets
balance_sheet
Value:
$310,401
Peer Median: -
#2628 of 2675
Bottom 1.8% in <100M tier
2579
Members Per Employee (MPE)
engagement
Value:
13.000
Peer Median: -
#2579 of 2675
Bottom 3.6% in <100M tier