COLUMBIA POST OFFICE
Charter #61065 | SC
<100M
(2596 CUs)
Micro
($0-$500M)
24 <100M in SC
COLUMBIA POST OFFICE has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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
- - ROA 0.01% below tier average
- - Member decline: -3.8% YoY
- - Loan-to-Share Ratio: Bottom 4.5% in tier
- - Deposit Growth Rate: Bottom 5.6% in tier
- - Asset Growth Rate: Bottom 5.7% in tier
- - Net Interest Margin (NIM): Bottom 7.5% in tier
- - AMR Growth Rate: Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,229
-3.8% YoY-0.1% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
34th in tier |
| Assets |
$26.6M
-9.6% YoY-0.6% QoQ
|
$-3.2M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
56th in tier |
| Loans |
$4.0M
-13.5% YoY-5.5% QoQ
|
$-11.7M |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
29th in tier |
| Deposits |
$20.7M
-11.7% YoY-0.8% QoQ
|
$-4.7M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
54th in tier |
| ROA |
0.7%
+263.9% YoY-11.2% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
46th in tier |
| NIM |
2.5%
+16.0% YoY+2.8% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.4% in tier |
| Efficiency Ratio |
65.0%
-10.1% YoY-0.6% QoQ
|
-16.4% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 21.8% in tier |
| Delinquency Rate |
0.7%
-38.0% YoY-70.0% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
52nd in tier |
| Loan To Share |
19.4%
-2.1% YoY-4.8% QoQ
|
-41.8% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.3% in tier |
| AMR |
$20,121
-8.5% YoY-1.5% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
Top 20.1% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (6 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
419
Net Worth Ratio
risk
Value:
22.23%
Peer Avg: 16.43%
#419 of 2596
Top 16.1% in <100M tier
521
Average Member Relationship (AMR)
engagement
Value:
$20,121
Peer Avg: $14,627
#521 of 2596
Top 20.0% in <100M tier
567
Efficiency Ratio
profitability
Value:
65.00%
Peer Avg: 81.39%
#567 of 2596
Top 21.8% in <100M tier
Top Weaknesses (10 metrics)
2481
Loan-to-Share Ratio
balance_sheet
Value:
19.42%
Peer Avg: 61.23%
#2481 of 2596
Bottom 4.5% in <100M tier
2451
Deposit Growth Rate
growth
Value:
-11.66%
Peer Avg: 16.80%
#2451 of 2596
Bottom 5.6% in <100M tier
2448
Asset Growth Rate
growth
Value:
-9.55%
Peer Avg: 1.82%
#2448 of 2596
Bottom 5.7% in <100M tier
2403
Net Interest Margin (NIM)
profitability
Value:
2.48%
Peer Avg: 3.93%
#2403 of 2596
Bottom 7.5% in <100M tier
2338
AMR Growth Rate
growth
Value:
-8.45%
Peer Avg: 4.67%
#2338 of 2596
Bottom 10.0% in <100M tier
2316
Net Charge-Off Rate
risk
Value:
1.25%
Peer Avg: 0.57%
#2316 of 2596
Bottom 10.8% in <100M tier
2280
Members Per Employee (MPE)
engagement
Value:
175.571
Peer Avg: 365.701
#2280 of 2596
Bottom 12.2% in <100M tier
2249
Loan Growth Rate
growth
Value:
-13.48%
Peer Avg: 59.01%
#2249 of 2596
Bottom 13.4% in <100M tier
2042
Fee Income Per Member
profitability
Value:
$12.97
Peer Avg: $182.96
#2042 of 2596
Bottom 21.4% in <100M tier
1956
Member Growth Rate
growth
Value:
-3.83%
Peer Avg: 14.92%
#1956 of 2596
Bottom 24.7% in <100M tier