BlastPoint's Credit Union Scorecard
CHARLESTON POSTAL
Charter #24743 · WV
CHARLESTON POSTAL has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.34% 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 0.70% below tier average
- - Efficiency ratio 11.69% above tier (higher cost structure)
- - Delinquency rate 0.52% above tier average
- - Member decline: -3.2% YoY
- - Net Charge-Off Rate: Bottom 5.8% in tier
- - Net Worth Ratio: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
664
-3.2% YoY-0.4% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$4.9M
-2.3% YoY-4.7% QoQ
|
$-25.3M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$2.7M
-14.7% YoY-5.7% QoQ
|
$-13.1M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$4.4M
-2.3% YoY-5.1% QoQ
|
$-21.3M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
-0.1%
-120.7% YoY+3101.5% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.6% in tier |
| NIM |
6.3%
-3.2% YoY+1.0% QoQ
|
+2.3% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 3.0% in tier |
| Efficiency Ratio |
94.2%
+3.9% YoY+4.1% QoQ
|
+11.7% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
2.1%
+40.6% YoY+4.3% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
60.0%
-12.7% YoY-0.6% QoQ
|
-0.6% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$10,686
-4.3% YoY-4.9% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
8.8%
+4.1% YoY+5.1% QoQ
|
-15.6% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 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)