BlastPoint's Credit Union Scorecard
BRIDGEPORT POST OFFICE
Charter #3575 · CT
BRIDGEPORT POST OFFICE has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.23% above tier average
- + Loan Growth Rate: Top 1.5% in tier
- + Net Worth Ratio: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.21% below tier average
- - Efficiency ratio 17.67% above tier (higher cost structure)
- - Delinquency rate 1.66% above tier average
- - Net Charge-Off Rate: Bottom 3.5% in tier
- - Deposit Growth Rate: Bottom 4.3% in tier
- - Asset Growth Rate: Bottom 5.9% in tier
- - Members Per Employee (MPE): Bottom 7.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Connecticut.
- Shares and deposits -13.1% year over year ($2.4M in shares and deposits).
- Membership: 483 members, -0.8% vs a year ago.
- Delinquency rate 3.21%.
- Return on assets 0.28%.
- Efficiency ratio 106.43% vs a 88.77% peer average.
- Loan-to-share ratio 66.46% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
483
-0.8% YoY-0.2% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
Bottom 13.0% in tier |
| Assets |
$3.4M
-9.4% YoY-0.3% QoQ
|
$-26.9M |
$30.3M
+1.5% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 13.9% in tier |
| Loans |
$1.6M
+36.8% YoY+37.1% QoQ
|
$-13.9M |
$15.5M
-1.7% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
15% |
| Deposits |
$2.4M
-13.1% YoY-0.6% QoQ
|
$-23.4M |
$25.8M
+1.1% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.7% in tier |
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| ROA |
0.3%
-218.7% YoY-146.1% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
17% |
| NIM |
4.1%
+6.1% YoY+1.8% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
106.4%
+0.6% YoY-6.8% QoQ
|
+17.7% |
88.8%
-6.9% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.8% in tier |
| Delinquency Rate |
3.2%
-16.1% YoY+8.2% QoQ
|
+1.7 |
1.5%
+2.1% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.1% in tier |
| Loan To Share |
66.5%
+57.4% YoY+38.0% QoQ
|
+7.6% |
58.9%
-3.1% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$8,186
+2.6% YoY+11.9% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
20% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 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)