BlastPoint's Credit Union Scorecard
TAMPA POSTAL
Charter #4395 · FL
TAMPA POSTAL has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 0.1% in tier
- + Total Deposits: Top 0.1% in tier
- + Total Members: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.74% below tier average
- - Efficiency ratio 10.82% above tier (higher cost structure)
- - Member decline: -6.5% YoY
- - Indirect Auto Concentration (%): Bottom 9.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,021
-6.5% YoY-1.5% QoQ
|
+3.3K |
2,676
+1.6% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
Top 8.5% in tier |
| Assets |
$99.7M
+0.9% YoY+1.3% QoQ
|
+$69.5M |
$30.2M
+1.3% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
Top 0.1% in tier |
| Loans |
$35.4M
+2.9% YoY-3.7% QoQ
|
+$20.1M |
$15.3M
-2.0% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Top 13.0% in tier |
| Deposits |
$91.9M
-0.1% YoY+1.8% QoQ
|
+$66.1M |
$25.8M
+0.7% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
Top 0.1% in tier |
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| ROA |
-0.6%
-271.3% YoY-289.6% QoQ
|
-0.7% |
0.1%
-77.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.3% in tier |
| NIM |
3.2%
+6.1% YoY+1.6% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
101.5%
+33.9% YoY+20.8% QoQ
|
+10.8% |
90.6%
+6.5% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.4% in tier |
| Delinquency Rate |
0.2%
-53.2% YoY-50.4% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
27% |
| Loan To Share |
38.5%
+3.0% YoY-5.4% QoQ
|
-20.0% |
58.5%
-3.0% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$21,142
+7.7% YoY+1.8% QoQ
|
+$6K |
$14,884
-1.7% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
82% |
| CD Concentration |
19.8%
+2.0% YoY-3.2% QoQ
|
-4.4% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % |
9.2%
+74.8% YoY-35.9% QoQ
|
-4.6% | 13.8% | 10.8% | 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)