BlastPoint's Credit Union Scorecard
BRIDGEPORT POST OFFICE
Charter #3575 · CT
BRIDGEPORT POST OFFICE has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.75% below tier average
- - Efficiency ratio 23.61% above tier (higher cost structure)
- - Delinquency rate 1.46% above tier average
- - Member decline: -2.2% YoY
- - Net Charge-Off Rate: Bottom 1.4% in tier
- - Deposit Growth Rate: Bottom 3.7% in tier
- - Asset Growth Rate: Bottom 4.9% in tier
- - Members Per Employee (MPE): Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
484
-2.2% YoY-0.4% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
Bottom 13.2% in tier |
| Assets |
$3.4M
-9.7% YoY-3.0% QoQ
|
$-26.8M |
$30.2M
+1.3% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.2% in tier |
| Loans |
$1.2M
-2.1% YoY-8.6% QoQ
|
$-14.1M |
$15.3M
-2.0% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.6% in tier |
| Deposits |
$2.4M
-13.6% YoY-4.0% QoQ
|
$-23.4M |
$25.8M
+0.7% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.0% in tier |
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| ROA |
-0.6%
-32.5% YoY-423.8% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.2% in tier |
| NIM |
4.1%
+31.5% YoY-12.5% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
61% |
| Efficiency Ratio |
114.2%
-10.5% YoY+18.8% QoQ
|
+23.6% |
90.6%
+6.5% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.6% in tier |
| Delinquency Rate |
3.0%
-23.1% YoY+216.1% QoQ
|
+1.5 |
1.5%
+3.8% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.7% in tier |
| Loan To Share |
48.2%
+13.3% YoY-4.8% QoQ
|
-10.3% |
58.5%
-3.0% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$7,317
-8.1% YoY-5.1% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
16% |
| 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)