BlastPoint's Credit Union Scorecard
CHARLESTON POSTAL
Charter #24743 · WV
CHARLESTON POSTAL has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Efficiency ratio 9.18% above tier (higher cost structure)
- - Delinquency rate 0.49% above tier average
- - Net Charge-Off Rate: Bottom 4.4% in tier
- - Net Worth Ratio: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
667
-1.8% YoY-0.6% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
18% |
| Assets |
$5.1M
+1.7% YoY+1.1% QoQ
|
$-24.7M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$2.8M
-10.7% YoY-0.3% QoQ
|
$-12.9M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
23% |
| Deposits |
$4.7M
+1.9% YoY+1.4% QoQ
|
$-20.8M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
22% |
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| ROA |
-0.0%
-100.5% YoY-49.8% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
6.2%
-3.5% YoY+3.9% QoQ
|
+2.3% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 3.2% in tier |
| Efficiency Ratio |
90.6%
+1.1% YoY+0.8% QoQ
|
+9.2% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
2.0%
+99.8% YoY-35.4% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
60.4%
-12.4% YoY-1.7% QoQ
|
-0.8% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
49% |
| AMR |
$11,238
-1.5% YoY+1.3% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
35% |
| CD Concentration |
8.4%
+4.1% YoY+3.4% QoQ
|
-16.1% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
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)