BlastPoint's Credit Union Scorecard
BRIDGEPORT POST OFFICE
Charter #3575 · CT
BRIDGEPORT POST OFFICE has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.68% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 6.6% in tier
- + Loan Growth Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Efficiency ratio 13.62% above tier (higher cost structure)
- - Member decline: -3.0% YoY
- - Members Per Employee (MPE): Bottom 7.5% in tier
- - Deposit Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
486
-3.0% YoY0% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
Bottom 13.3% in tier |
| Assets |
$3.5M
-5.6% YoY+1.6% QoQ
|
$-26.6M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.4% in tier |
| Loans |
$1.3M
+12.8% YoY-5.1% QoQ
|
$-14.5M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.0% in tier |
| Deposits |
$2.5M
-8.4% YoY+2.1% QoQ
|
$-23.2M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.7% in tier |
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| ROA |
0.2%
-49.4% YoY+93.1% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
4.6%
-8.5% YoY+6.0% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
96.2%
+3.4% YoY-1.7% QoQ
|
+13.6% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
85% |
| Delinquency Rate |
0.9%
-80.9% YoY+46.2% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
50.6%
+23.2% YoY-7.0% QoQ
|
-10.0% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$7,713
+0.8% YoY-0.4% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
18% |
| 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)