BlastPoint's Credit Union Scorecard
COLUMBIA POST OFFICE
Charter #61065 · SC
COLUMBIA POST OFFICE has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.64% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -3.8% YoY
- - Loan-to-Share Ratio: Bottom 4.6% in tier
- - Deposit Growth Rate: Bottom 5.5% in tier
- - Loan Growth Rate: Bottom 7.2% in tier
- - Asset Growth Rate: Bottom 7.7% in tier
- - Net Interest Margin (NIM): Bottom 7.9% in tier
- - AMR Growth Rate: Bottom 8.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,202
-3.8% YoY-1.4% QoQ
|
-1.5K |
2,676
+1.6% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
33% |
| Assets |
$25.6M
-8.0% YoY-0.8% QoQ
|
$-4.6M |
$30.2M
+1.3% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
55% |
| Loans |
$3.6M
-19.0% YoY-5.2% QoQ
|
$-11.7M |
$15.3M
-2.0% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
27% |
| Deposits |
$19.5M
-11.1% YoY-1.3% QoQ
|
$-6.2M |
$25.8M
+0.7% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
51% |
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| ROA |
0.8%
+105.3% YoY-4.9% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
59% |
| NIM |
2.5%
+15.8% YoY-2.2% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.8% in tier |
| Efficiency Ratio |
69.6%
-10.0% YoY+8.3% QoQ
|
-21.1% |
90.6%
+6.5% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
25% |
| Delinquency Rate |
0.2%
-82.3% YoY-78.2% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
30% |
| Loan To Share |
18.5%
-8.9% YoY-4.0% QoQ
|
-40.0% |
58.5%
-3.0% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Bottom 4.5% in tier |
| AMR |
$19,253
-9.0% YoY-0.6% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
75% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 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)