BlastPoint's Credit Union Scorecard
POST OFFICE EMPLOYEES
Charter #24712 · LA
POST OFFICE EMPLOYEES has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.19% above tier average
- + Strong member growth: 39.4% 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 0.7% in tier
- + Loan Growth Rate: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.80% below tier average
- - Efficiency ratio 12.84% above tier (higher cost structure)
- - Delinquency rate 0.98% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,049
+39.4% YoY-0.4% QoQ
|
+2.4K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Top 13.4% in tier |
| Assets |
$57.7M
+61.2% YoY-4.0% QoQ
|
+$27.6M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$28.2M
+25.1% YoY-0.6% QoQ
|
+$12.5M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$51.5M
+61.4% YoY-2.9% QoQ
|
+$25.8M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
-0.2%
-122.4% YoY-241.9% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.6% in tier |
| NIM |
4.1%
-13.6% YoY+1.1% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
95.4%
+14.6% YoY+5.7% QoQ
|
+12.8% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
2.5%
-22.7% YoY-3.4% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
54.8%
-22.5% YoY+2.3% QoQ
|
-5.8% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$15,779
+5.0% YoY-1.7% QoQ
|
+$996 |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
20.7%
+22.1% YoY+5.8% QoQ
|
-3.7% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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)