BlastPoint's Credit Union Scorecard
MERIDIAN POSTAL
Charter #24894 · MS
MERIDIAN POSTAL faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Member decline: -2.3% YoY
- - Net Charge-Off Rate: Bottom 1.2% in tier
- - Net Interest Margin (NIM): Bottom 2.4% in tier
- - Members Per Employee (MPE): Bottom 6.9% in tier
- - Loan-to-Share Ratio: Bottom 7.1% in tier
- - Deposit Growth Rate: Bottom 8.1% in tier
- - Total Members: Bottom 8.8% in tier
- - Asset Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
335
-2.3% YoY-2.0% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
Bottom 8.7% in tier |
| Assets |
$4.5M
-6.8% YoY-5.7% QoQ
|
$-25.7M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$866,149
+6.2% YoY-8.0% QoQ
|
$-14.4M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.6% in tier |
| Deposits |
$3.5M
-8.8% YoY-7.4% QoQ
|
$-22.3M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
17% |
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| ROA |
0.2%
+5.1% YoY+1.5% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
28% |
| NIM |
1.6%
+8.3% YoY-11.1% QoQ
|
-2.4% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.3% in tier |
| Efficiency Ratio |
89.8%
-3.3% YoY+19.4% QoQ
|
-0.8% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
68% |
| Delinquency Rate |
0.4%
-88.4% QoQ
|
-1.1 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
40% |
| Loan To Share |
24.7%
+16.5% YoY-0.7% QoQ
|
-33.8% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.0% in tier |
| AMR |
$13,051
-3.9% YoY-5.5% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
45% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 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)