BlastPoint's Credit Union Scorecard
BRIDGEPORT POST OFFICE
Charter #3575 · CT
BRIDGEPORT POST OFFICE has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.44% 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 6.5% in tier
- + Loan Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Efficiency ratio 16.47% above tier (higher cost structure)
- - Member decline: -5.4% YoY
- - Members Per Employee (MPE): Bottom 7.4% in tier
- - Deposit Growth Rate: Bottom 7.7% in tier
- - Asset Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
486
-5.4% YoY-0.2% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
Bottom 13.4% in tier |
| Assets |
$3.5M
-7.3% YoY-7.7% QoQ
|
$-26.4M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.4% in tier |
| Loans |
$1.3M
+10.9% YoY+15.0% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.6% in tier |
| Deposits |
$2.4M
-9.6% YoY-10.8% QoQ
|
$-23.0M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.5% in tier |
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| ROA |
0.1%
-90.8% YoY-141.1% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
4.4%
-11.0% YoY+12.3% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
69% |
| Efficiency Ratio |
97.9%
+23.0% YoY-7.5% QoQ
|
+16.5% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Top 12.8% in tier |
| Delinquency Rate |
0.6%
-85.5% YoY-83.2% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
49% |
| Loan To Share |
54.4%
+22.7% YoY+28.8% QoQ
|
-6.8% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
39% |
| AMR |
$7,747
+2.3% YoY-2.9% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
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)