BlastPoint's Credit Union Scorecard

PEORIA POSTAL EMPLOYEES

Charter #60863 · IL

<100M
2556 CUs in <100M nationally 138 in IL

PEORIA POSTAL EMPLOYEES has 1 strength but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Members Per Employee (MPE): Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 1.32% above tier average

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 1,179
-1.0% YoY-0.3% QoQ
-1.4K 2,615
-1.9% YoY
21,665
+5.6% YoY
33,374
+5.7% YoY
33%
Assets $13.6M
+6.0% YoY+0.7% QoQ
$-16.6M $30.1M
+2.1% YoY
$394.9M
+10.3% YoY
$561.6M
+9.7% YoY
39%
Loans $6.3M
-0.6% YoY-1.3% QoQ
$-9.4M $15.8M
-1.3% YoY
$275.6M
+9.5% YoY
$397.0M
+8.8% YoY
39%
Deposits $10.8M
+6.6% YoY+1.1% QoQ
$-14.9M $25.7M
+1.4% YoY
$330.4M
+9.6% YoY
$477.3M
+9.7% YoY
38%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.7%
+125.4% YoY-42.9% QoQ
+0.0% 0.6%
+10.8% YoY
0.6%
-12.3% YoY
0.7%
+15.9% YoY
49%
NIM 3.6%
-0.5% YoY-14.3% QoQ
-0.3% 4.0%
+4.0% YoY
3.6%
+3.6% YoY
3.8%
+5.1% YoY
39%
Efficiency Ratio 77.0%
-1.7% YoY+14.8% QoQ
-5.6% 82.6%
-2.3% YoY
89.8%
+8.5% YoY
79.7%
-3.3% YoY
44%
Delinquency Rate 2.9%
-44.9% YoY-34.0% QoQ
+1.3 1.6%
-3.1% YoY
1.1%
-24.1% YoY
1.3%
-2.1% YoY
Bottom 13.6% in tier
Loan To Share 58.4%
-6.8% YoY-2.3% QoQ
-2.2% 60.6%
-3.1% YoY
62.0%
-1.0% YoY
67.4%
-1.7% YoY
47%
AMR $14,546
+4.9% YoY+0.5% QoQ
$-237 $14,783
-1.4% YoY
$15,477
+4.9% YoY
$19,687
+2.0% YoY
54%
CD Concentration 26.4%
+11.0% YoY+2.5% QoQ
+2.0% 24.4% 14.1% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 7.1% 7.8% 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)

Comparing against 2556 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.1% in <100M tier
198
Members Per Employee (MPE)
engagement
Value: 589.500
Peer Median: -
#198 of 2556 Top 7.7% in <100M tier
464
Deposit Growth Rate
growth
Value: 6.59%
Peer Median: -
#464 of 2556 Top 18.1% in <100M tier
561
Asset Growth Rate
growth
Value: 5.96%
Peer Median: -
#561 of 2556 Top 21.9% in <100M tier
586
Net Worth Ratio
risk
Value: 19.80%
Peer Median: -
#586 of 2556 Top 22.9% in <100M tier

Top Weaknesses (3 metrics)

2209
Total Delinquency Rate (60+ days)
risk
Value: 2.87%
Peer Median: -
#2209 of 2556 Bottom 13.6% in <100M tier
2090
Net Charge-Off Rate
risk
Value: 0.91%
Peer Median: -
#2090 of 2556 Bottom 18.3% in <100M tier
1973
Share Certificate Concentration (%)
balance_sheet
Value: 26.42%
Peer Median: -
#1973 of 2556 Bottom 22.8% in <100M tier
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