BlastPoint's Credit Union Scorecard

POST OFFICE EMPLOYEES

Charter #24712 · LA

<100M

2508 CUs in <100M nationally 107 in LA

POST OFFICE EMPLOYEES has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Fee Income Per Member: Top 9.4% in tier

Key Concerns

Areas that may need attention

- ROA 0.59% below tier average
- Delinquency rate 0.56% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	5,031 -0.6% YoY-0.4% QoQ	+2.4K	2,676 +1.6% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	Top 13.2% in tier
Assets	$59.8M -1.6% YoY+3.5% QoQ	+$29.6M	$30.2M +1.3% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	83%
Loans	$28.3M +4.1% YoY+0.3% QoQ	+$13.0M	$15.3M -2.0% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	81%
Deposits	$52.7M -1.5% YoY+2.5% QoQ	+$27.0M	$25.8M +0.7% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	84%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.4% -172.5% YoY+142.7% QoQ	-0.6%	0.1% -77.6% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	Bottom 13.7% in tier
NIM	3.9% -24.4% YoY-6.9% QoQ	-0.2%	4.0% +4.0% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	51%
Efficiency Ratio	90.0% +8.4% YoY-5.6% QoQ	-0.6%	90.6% +6.5% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	69%
Delinquency Rate	2.1% -14.1% YoY-18.6% QoQ	+0.6	1.5% +3.8% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	82%
Loan To Share	53.6% +5.7% YoY-2.2% QoQ	-4.9%	58.5% -3.0% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	43%
AMR	$16,107 +1.0% YoY+2.1% QoQ	+$1K	$14,884 -1.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	61%
CD Concentration	19.9% +21.0% YoY-3.9% QoQ	-4.4%	24.3%	14.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

237

Fee Income Per Member

profitability

Value: $158.33

Peer Median: $60.42

#237 of 2508 Top 9.4% in <100M tier

330

Total Members

engagement

Value: 5,031

Peer Median: 1,918

#330 of 2508 Top 13.1% in <100M tier

414

Total Deposits

balance_sheet

Value: $52.75M

Peer Median: $18.77M

#414 of 2508 Top 16.5% in <100M tier

433

Total Assets

balance_sheet

Value: $59.77M

Peer Median: $21.86M

#433 of 2508 Top 17.2% in <100M tier

471

Total Loans

balance_sheet

Value: $28.29M

Peer Median: $9.48M

#471 of 2508 Top 18.7% in <100M tier

586

Loan Growth Rate

growth

Value: 4.13%

Peer Median: -2.36%

#586 of 2508 Top 23.3% in <100M tier

Top Weaknesses (3 metrics)

2165

Return on Assets (ROA)

profitability

Value: -0.44%

Peer Median: 0.61%

#2165 of 2508 Bottom 13.7% in <100M tier

2051

Total Delinquency Rate (60+ days)

risk

Value: 2.06%

Peer Median: 0.65%

#2051 of 2508 Bottom 18.3% in <100M tier

2000

Net Charge-Off Rate

risk

Value: 0.68%

Peer Median: 0.07%

#2000 of 2508 Bottom 20.3% in <100M tier