BlastPoint's Credit Union Scorecard
MERIDIAN POSTAL
Charter #24894 · MS
MERIDIAN POSTAL has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 7.4% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Delinquency rate 1.92% above tier average
- - Net Interest Margin (NIM): Bottom 2.9% in tier
- - Loan-to-Share Ratio: Bottom 6.8% in tier
- - Members Per Employee (MPE): Bottom 6.8% in tier
- - Total Members: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
342
+0.3% YoY-0.6% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
Bottom 9.0% in tier |
| Assets |
$4.8M
+0.8% YoY-1.0% QoQ
|
$-25.3M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$941,300
+12.9% YoY+14.4% QoQ
|
$-14.8M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.8% in tier |
| Deposits |
$3.8M
+0.8% YoY-1.3% QoQ
|
$-21.9M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
0.2%
+20.3% YoY-2.5% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
1.8%
+17.6% YoY+1.2% QoQ
|
-2.2% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio |
75.2%
-14.6% YoY-0.7% QoQ
|
-7.3% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate | 3.5% | +1.9 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Top 10.7% in tier |
| Loan To Share |
24.9%
+12.0% YoY+15.9% QoQ
|
-35.7% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.7% in tier |
| AMR |
$13,817
+2.7% YoY+2.1% QoQ
|
$-966 |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 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)