BlastPoint's Credit Union Scorecard
WATERBURY POSTAL EMPLOYEES
Charter #3337 · CT
WATERBURY POSTAL EMPLOYEES has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.33% above tier average
- - Member decline: -3.0% YoY
- - Total Delinquency Rate (60+ days): Bottom 3.5% in tier
- - Loan-to-Share Ratio: Bottom 8.7% in tier
- - Net Interest Margin (NIM): Bottom 9.3% in tier
- - Deposit Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
958
-3.0% YoY-1.0% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$10.9M
-5.8% YoY-0.7% QoQ
|
$-19.3M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$2.4M
-0.3% YoY-0.8% QoQ
|
$-13.4M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$8.5M
-8.6% YoY+0.3% QoQ
|
$-17.2M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
1.8%
+2895.5% YoY-52.5% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
Top 9.2% in tier |
| NIM |
2.6%
+13.4% YoY-28.6% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.3% in tier |
| Efficiency Ratio |
39.4%
-53.9% YoY+190.1% QoQ
|
-43.2% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.5% in tier |
| Delinquency Rate |
6.9%
+74.8% YoY+63.1% QoQ
|
+5.3 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
Top 3.5% in tier |
| Loan To Share |
28.2%
+9.1% YoY-1.1% QoQ
|
-32.4% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.6% in tier |
| AMR |
$11,336
-4.0% YoY+1.1% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 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)