BlastPoint's Credit Union Scorecard
TAMPA POSTAL
Charter #4395 · FL
TAMPA POSTAL has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 0.0% in tier
- + Total Assets: Top 0.4% in tier
- + Fee Income Per Member: Top 3.6% in tier
- + AMR Growth Rate: Top 7.3% in tier
- + Total Members: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Member decline: -6.1% YoY
- - Indirect Auto Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,161
-6.1% YoY-0.9% QoQ
|
+3.5K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
Top 8.7% in tier |
| Assets |
$98.6M
+3.7% YoY-2.3% QoQ
|
+$68.8M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
Top 0.4% in tier |
| Loans |
$37.5M
+10.1% YoY+7.6% QoQ
|
+$21.7M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 12.3% in tier |
| Deposits |
$90.4M
+2.6% YoY-3.3% QoQ
|
+$65.0M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 0.1% in tier |
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| ROA |
0.6%
-1433.2% YoY-53.7% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
42% |
| NIM |
3.1%
+7.5% YoY+3.6% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
21% |
| Efficiency Ratio |
77.8%
-20.3% YoY+10.8% QoQ
|
-3.6% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.6%
-23.4% YoY+50.4% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
47% |
| Loan To Share |
41.4%
+7.4% YoY+11.3% QoQ
|
-19.8% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
21% |
| AMR |
$20,761
+11.5% YoY+0.5% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration |
20.3%
-2.3% YoY+4.4% QoQ
|
-4.1% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
11.1%
+761.0% YoY+120.0% QoQ
|
-2.9% |
14.0%
-5.7% YoY
|
10.9%
-1.4% 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)