BlastPoint's Credit Union Scorecard
WATERBURY POSTAL EMPLOYEES
Charter #3337 · CT
WATERBURY POSTAL EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.38% above tier average
- + Net Charge-Off Rate: Top 4.2% in tier
- + Efficiency Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.61% above tier average
- - Member decline: -9.4% YoY
- - Fee Income Per Member: Bottom 0.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.5% in tier
- - Deposit Growth Rate: Bottom 6.5% in tier
- - Member Growth Rate: Bottom 6.7% in tier
- - Asset Growth Rate: Bottom 7.9% in tier
- - Loan-to-Share Ratio: Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
889
-9.4% YoY-7.2% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$10.7M
-7.7% YoY-1.4% QoQ
|
$-19.5M |
$30.2M
+1.3% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
33% |
| Loans |
$2.3M
-1.3% YoY-3.9% QoQ
|
$-13.0M |
$15.3M
-2.0% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
20% |
| Deposits |
$8.3M
-10.3% YoY-2.2% QoQ
|
$-17.5M |
$25.8M
+0.7% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
32% |
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| ROA |
0.5%
-83.8% YoY-71.1% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
3.7%
+9.7% YoY+45.2% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
46% |
| Efficiency Ratio |
56.1%
-3.4% YoY+42.5% QoQ
|
-34.5% |
90.6%
+6.5% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
Top 8.5% in tier |
| Delinquency Rate |
6.1%
+32.3% YoY-11.3% QoQ
|
+4.6 |
1.5%
+3.8% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.5% in tier |
| Loan To Share |
27.7%
+10.0% YoY-1.8% QoQ
|
-30.9% |
58.5%
-3.0% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 9.5% in tier |
| AMR |
$11,905
+1.0% YoY+5.0% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
38% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.5% | 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)