POST OFFICE EMPLOYEES

Charter #24712 | LA

<100M (2596 CUs) Micro
108 <100M in LA

POST OFFICE EMPLOYEES has 7 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.16% above tier average
  • + Strong member growth: 41.5% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Asset Growth Rate: Top 0.3% in tier
  • + Deposit Growth Rate: Top 0.3% in tier
  • + Member Growth Rate: Top 0.8% in tier
  • + Loan Growth Rate: Top 1.0% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.55% below tier average
  • - Efficiency ratio 8.90% above tier (higher cost structure)
  • - Delinquency rate 1.11% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 5,070
+41.5% YoY+0.3% QoQ
 +2.4K 2,625
-2.2% YoY
 9,352
+2.6% YoY
 33,089
+6.1% YoY
 Top 13.4% in tier
Assets $60.1M
+66.4% YoY+0.8% QoQ
 +$30.3M $29.9M
+1.1% YoY
 $121.4M
+4.9% YoY
 $547.7M
+7.8% YoY
 Top 16.9% in tier
Loans $28.4M
+32.1% YoY+0.5% QoQ
 +$12.6M $15.8M
-2.4% YoY
 $86.9M
+5.1% YoY
 $388.7M
+8.6% YoY
 Top 19.6% in tier
Deposits $53.0M
+65.4% YoY+1.1% QoQ
 +$27.5M $25.5M
+0.4% YoY
 $103.9M
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 16.3% in tier
ROA 0.1%
-85.8% YoY-76.1% QoQ
 -0.6% 0.7%
-731.4% YoY
 0.5%
+1.1% YoY
 0.7%
+273.4% YoY
 Bottom 20.9% in tier
NIM 4.1%
-15.1% YoY+64.3% QoQ
 +0.2% 3.9%
+3.8% YoY
 4.3%
+3.2% YoY
 3.7%
+5.0% YoY
 58th in tier
Efficiency Ratio 90.3%
+10.9% YoY+13.7% QoQ
 +8.9% 81.4%
-2.4% YoY
 82.9%
-3.6% YoY
 79.1%
-3.3% YoY
 Top 22.7% in tier
Delinquency Rate 2.6%
+31.8% YoY-8.4% QoQ
 +1.1 1.5%
-2.0% YoY
 1.8%
-12.2% YoY
 1.2%
-0.9% YoY
 Top 14.3% in tier
Loan To Share 53.6%
-20.1% YoY-0.6% QoQ
 -7.6% 61.2%
-3.0% YoY
 70.9%
-2.6% YoY
 68.0%
-1.7% YoY
 37th in tier
AMR $16,046
+7.4% YoY+0.6% QoQ
 +$1K $14,627
-2.7% YoY
 $13,297
+2.9% YoY
 $19,418
+1.3% YoY
 63rd in tier
CD Concentration 19.6%
+8.9% YoY+2.2% QoQ
 -4.8% 24.4%
+4.2% YoY
 15.0%
+9.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 5.3%
+10.6% 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)

Comparing against 2596 peers in tier

Top Strengths (11 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
8
Asset Growth Rate
growth
Value: 66.42%
Peer Avg: 1.82%
#8 of 2596 Top 0.3% in <100M tier
8
Deposit Growth Rate
growth
Value: 65.39%
Peer Avg: 16.80%
#8 of 2596 Top 0.3% in <100M tier
21
Member Growth Rate
growth
Value: 41.54%
Peer Avg: 14.92%
#21 of 2596 Top 0.8% in <100M tier
28
Loan Growth Rate
growth
Value: 32.08%
Peer Avg: 59.01%
#28 of 2596 Top 1.0% in <100M tier
284
Fee Income Per Member
profitability
Value: $165.82
Peer Avg: $182.96
#284 of 2596 Top 10.9% in <100M tier
349
Total Members
engagement
Value: 5,070
Peer Avg: 2,626
#349 of 2596 Top 13.4% in <100M tier
411
AMR Growth Rate
growth
Value: 7.40%
Peer Avg: 4.67%
#411 of 2596 Top 15.8% in <100M tier
424
Total Deposits
balance_sheet
Value: $52.97M
Peer Avg: $25.45M
#424 of 2596 Top 16.3% in <100M tier
439
Total Assets
balance_sheet
Value: $60.14M
Peer Avg: $29.86M
#439 of 2596 Top 16.9% in <100M tier

Top Weaknesses (4 metrics)

2226
Total Delinquency Rate (60+ days)
risk
Value: 2.62%
Peer Avg: 1.51%
#2226 of 2596 Bottom 14.3% in <100M tier
2054
Return on Assets (ROA)
profitability
Value: 0.13%
Peer Avg: 0.68%
#2054 of 2596 Bottom 20.9% in <100M tier
2008
Efficiency Ratio
profitability
Value: 90.29%
Peer Avg: 81.39%
#2008 of 2596 Bottom 22.7% in <100M tier
1983
Net Charge-Off Rate
risk
Value: 0.66%
Peer Avg: 0.57%
#1983 of 2596 Bottom 23.7% in <100M tier