BlastPoint's Credit Union Scorecard
CHARLESTON POSTAL
Charter #24743 · WV
CHARLESTON POSTAL has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.72% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 2.22% below tier average
- - Efficiency ratio 5.31% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 1.5% in tier
- - Net Worth Ratio: Bottom 5.6% in tier
- - Loan Growth Rate: Bottom 5.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
664
-1.9% YoY0% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$5.1M
-0.5% YoY+3.9% QoQ
|
$-25.1M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$2.4M
-20.7% YoY-10.2% QoQ
|
$-12.9M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
20% |
| Deposits |
$4.7M
+0.5% YoY+5.0% QoQ
|
$-21.1M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
-2.1%
-627.7% YoY+2685.6% QoQ
|
-2.2% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.5% in tier |
| NIM |
5.7%
-7.1% YoY-9.0% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Top 4.8% in tier |
| Efficiency Ratio |
95.9%
+1.0% YoY+1.8% QoQ
|
+5.3% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
80% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
51.4%
-21.0% YoY-14.4% QoQ
|
-7.1% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
39% |
| AMR |
$10,614
-6.1% YoY-0.7% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
32% |
| CD Concentration |
8.6%
+6.5% YoY-2.4% QoQ
|
-15.7% | 24.3% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.0% | 7.7% | 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)