BlastPoint's Credit Union Scorecard
COLUMBIA POST OFFICE
Charter #61065 · 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
|
34% |
| 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
|
56% |
| 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
|
29% |
| 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
|
54% |
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| 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
|
46% |
| 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
|
22% |
| 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
|
52% |
| 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
|
80% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
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)