BlastPoint's Credit Union Scorecard
FAR ROCKAWAY POSTAL
Charter #4246 · NY
<100M
2508 CUs in <100M nationally
179 in NY
FAR ROCKAWAY POSTAL has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.82% above tier average
- + AMR Growth Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - ROA 27.31% below tier average
- - Efficiency ratio 158.72% above tier (higher cost structure)
- - Delinquency rate 23.30% above tier average
- - Member decline: -18.6% YoY
- - Total Members: Bottom 0.2% in tier
- - Net Charge-Off Rate: Bottom 0.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.9% in tier
- - Total Assets: Bottom 1.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48
-18.6% YoY0% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 0.2% in tier |
| Assets |
$223,182
-4.7% YoY-0.6% QoQ
|
$-30.0M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.2% in tier |
| Loans |
$91,049
-25.1% YoY-3.8% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.7% in tier |
| Deposits |
$174,631
+6.9% YoY+10.1% QoQ
|
$-25.6M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.4% in tier |
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| ROA |
-27.2%
+876.8% YoY+441.4% QoQ
|
-27.3% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.3% in tier |
| NIM |
5.8%
-37.7% YoY-28.0% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 4.4% in tier |
| Efficiency Ratio |
249.4%
+93.7% YoY+57.5% QoQ
|
+158.7% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.2% in tier |
| Delinquency Rate |
24.8%
+47.0% YoY-5.4% QoQ
|
+23.3 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 0.9% in tier |
| Loan To Share |
52.1%
-29.9% YoY-12.6% QoQ
|
-6.4% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
40% |
| AMR |
$5,535
+14.6% YoY+4.9% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.5% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
111
Net Interest Margin (NIM)
profitability
Value:
5.83%
Peer Median: 3.83%
#111 of 2508
Top 4.4% in <100M tier
121
AMR Growth Rate
growth
Value:
14.60%
Peer Median: 1.27%
#121 of 2508
Top 4.8% in <100M tier
402
Deposit Growth Rate
growth
Value:
6.88%
Peer Median: 0.66%
#402 of 2508
Top 16.0% in <100M tier
434
Net Worth Ratio
risk
Value:
21.75%
Peer Median: 14.28%
#434 of 2508
Top 17.3% in <100M tier
Top Weaknesses (14 metrics)
2503
Total Members
engagement
Value:
48
Peer Median: 1,918
#2503 of 2508
Bottom 0.2% in <100M tier
2501
Return on Assets (ROA)
profitability
Value:
-27.16%
Peer Median: 0.61%
#2501 of 2508
Bottom 0.3% in <100M tier
2496
Net Charge-Off Rate
risk
Value:
41.46%
Peer Median: 0.07%
#2496 of 2508
Bottom 0.5% in <100M tier
2486
Total Delinquency Rate (60+ days)
risk
Value:
24.80%
Peer Median: 0.65%
#2486 of 2508
Bottom 0.9% in <100M tier
2479
Efficiency Ratio
profitability
Value:
249.36%
Peer Median: 81.45%
#2479 of 2508
Bottom 1.2% in <100M tier
2477
Total Assets
balance_sheet
Value:
$223,182
Peer Median: $21.86M
#2477 of 2508
Bottom 1.3% in <100M tier
2474
Total Deposits
balance_sheet
Value:
$174,631
Peer Median: $18.77M
#2474 of 2508
Bottom 1.4% in <100M tier
2452
Member Growth Rate
growth
Value:
-18.64%
Peer Median: -1.37%
#2452 of 2508
Bottom 2.3% in <100M tier
2441
Total Loans
balance_sheet
Value:
$91,049
Peer Median: $9.48M
#2441 of 2508
Bottom 2.7% in <100M tier
2416
Members Per Employee (MPE)
engagement
Value:
48.000
Peer Median: 333.750
#2416 of 2508
Bottom 3.7% in <100M tier