BlastPoint's Credit Union Scorecard
PEORIA POSTAL EMPLOYEES
Charter #60863 · IL
2596 CUs in <100M nationally
143 in IL
PEORIA POSTAL EMPLOYEES has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.49% above tier average
- + Net Interest Margin 0.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.84% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,183
-0.4% YoY-0.8% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
33% |
| Assets |
$13.5M
+7.9% YoY+0.4% QoQ
|
$-16.4M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
39% |
| Loans |
$6.4M
-0.1% YoY-2.2% QoQ
|
$-9.4M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
39% |
| Deposits |
$10.7M
+9.3% YoY-0.0% QoQ
|
$-14.7M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
38% |
| ROA |
1.2%
+26.1% YoY+17.7% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
69% |
| NIM |
4.2%
+2.2% YoY+0.4% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
64% |
| Efficiency Ratio |
67.1%
-5.7% YoY-5.1% QoQ
|
-14.3% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
25% |
| Delinquency Rate |
4.4%
+10.0% YoY+30.4% QoQ
|
+2.8 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 7.5% in tier |
| Loan To Share |
59.8%
-8.6% YoY-2.2% QoQ
|
-1.5% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$14,470
+6.1% YoY-0.1% QoQ
|
$-156 |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
25.8%
+28.3% YoY+1.9% QoQ
|
+1.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
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 Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
208
Members Per Employee (MPE)
engagement
Value:
591.500
Peer Avg: 365.701
#208 of 2596
Top 8.0% in <100M tier
268
Deposit Growth Rate
growth
Value:
9.34%
Peer Avg: 16.80%
#268 of 2596
Top 10.3% in <100M tier
351
Asset Growth Rate
growth
Value:
7.90%
Peer Avg: 1.82%
#351 of 2596
Top 13.5% in <100M tier
551
AMR Growth Rate
growth
Value:
6.05%
Peer Avg: 4.67%
#551 of 2596
Top 21.2% in <100M tier
566
Net Worth Ratio
risk
Value:
20.14%
Peer Avg: 16.43%
#566 of 2596
Top 21.8% in <100M tier
Top Weaknesses (3 metrics)
2403
Total Delinquency Rate (60+ days)
risk
Value:
4.35%
Peer Avg: 1.51%
#2403 of 2596
Bottom 7.5% in <100M tier
2191
Net Charge-Off Rate
risk
Value:
0.93%
Peer Avg: 0.57%
#2191 of 2596
Bottom 15.6% in <100M tier
1998
Share Certificate Concentration (%)
balance_sheet
Value:
25.78%
Peer Avg: 15.37%
#1998 of 2596
Bottom 23.1% in <100M tier