BlastPoint's Credit Union Scorecard
LEXINGTON POSTAL COMMUNITY
Charter #62370 · KY
LEXINGTON POSTAL COMMUNITY faces 2 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.62% above tier (higher cost structure)
- - Member decline: -4.0% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,130
-4.0% YoY-1.2% QoQ
|
-546 |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
54% |
| Assets |
$27.7M
+1.5% YoY+5.0% QoQ
|
$-2.4M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
57% |
| Loans |
$13.0M
-0.6% YoY-4.6% QoQ
|
$-2.2M |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
58% |
| Deposits |
$25.1M
+1.3% YoY+5.5% QoQ
|
$-727K |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
59% |
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| ROA |
0.1%
-12.5% YoY-16.2% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
27% |
| NIM |
3.6%
+5.4% YoY+0.5% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
42% |
| Efficiency Ratio |
94.3%
-1.1% YoY-1.1% QoQ
|
+3.6% |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
76% |
| Delinquency Rate |
0.7%
+42.3% YoY+24.6% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
51% |
| Loan To Share |
52.1%
-1.9% YoY-9.6% QoQ
|
-6.4% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
40% |
| AMR |
$17,888
+4.8% YoY+3.0% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
69% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 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)