BlastPoint's Credit Union Scorecard
COLUMBIA POST OFFICE
Charter #61065 · SC
COLUMBIA POST OFFICE has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.20% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.1% YoY
- - Deposit Growth Rate: Bottom 2.7% in tier
- - Asset Growth Rate: Bottom 3.1% in tier
- - Loan-to-Share Ratio: Bottom 4.4% in tier
- - AMR Growth Rate: Bottom 4.5% in tier
- - Loan Growth Rate: Bottom 8.6% in tier
- - Net Interest Margin (NIM): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,219
-4.1% YoY-0.8% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$25.8M
-11.8% YoY-3.2% QoQ
|
$-4.3M |
$30.1M
+2.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$3.8M
-16.5% YoY-5.4% QoQ
|
$-12.0M |
$15.8M
-1.3% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$19.8M
-15.6% YoY-4.4% QoQ
|
$-5.9M |
$25.7M
+1.4% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.8%
+190.0% YoY+21.8% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
2.6%
+19.8% YoY+3.6% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.1% in tier |
| Efficiency Ratio |
64.2%
-8.3% YoY-1.2% QoQ
|
-18.4% |
82.6%
-2.3% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
1.1%
-17.3% YoY+46.3% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
19.2%
-1.1% YoY-1.0% QoQ
|
-41.4% |
60.6%
-3.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.3% in tier |
| AMR |
$19,362
-12.1% YoY-3.8% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 17.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.8% | 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)