BlastPoint's Credit Union Scorecard
LEXINGTON POSTAL COMMUNITY
Charter #62370 · KY
LEXINGTON POSTAL COMMUNITY has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Efficiency ratio 12.79% above tier (higher cost structure)
- - Member decline: -3.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,155
-3.4% YoY-1.5% QoQ
|
-460 |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$26.4M
+0.7% YoY-4.7% QoQ
|
$-3.7M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$13.7M
+3.1% YoY+7.4% QoQ
|
$-2.1M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
59% |
| Deposits |
$23.8M
+0.4% YoY-5.3% QoQ
|
$-1.9M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
0.2%
-27.9% YoY+4.4% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
3.6%
+2.1% YoY+2.6% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
95.3%
+1.2% YoY+0.1% QoQ
|
+12.8% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.5%
+212.7% YoY+92.1% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
43% |
| Loan To Share |
57.6%
+2.7% YoY+13.4% QoQ
|
-3.0% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$17,373
+4.9% YoY+0.5% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 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)