BlastPoint's Credit Union Scorecard
LEXINGTON POSTAL COMMUNITY
Charter #62370 · KY
LEXINGTON POSTAL COMMUNITY faces 3 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.25% below tier average
- - Efficiency ratio 4.74% above tier (higher cost structure)
- - Member decline: -4.1% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 34 that size in Kentucky.
- Shares and deposits -1.1% year over year ($24.4M in shares and deposits).
- Membership: 2,116 members, -4.1% vs a year ago.
- Delinquency rate 0.22%.
- Return on assets 0.25%.
- Efficiency ratio 93.50% vs a 88.77% peer average.
- Loan-to-share ratio 51.58% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,116
-4.1% YoY-0.7% QoQ
|
-469 |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
54% |
| Assets |
$27.2M
-0.5% YoY-2.1% QoQ
|
$-3.1M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
56% |
| Loans |
$12.6M
-2.4% YoY-3.6% QoQ
|
$-2.9M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
58% |
| Deposits |
$24.4M
-1.1% YoY-2.7% QoQ
|
$-1.4M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
58% |
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| ROA |
0.2%
+102.4% YoY+68.9% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
15% |
| NIM |
3.8%
+9.8% YoY+4.7% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
93.5%
-2.9% YoY-0.8% QoQ
|
+4.7% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
78% |
| Delinquency Rate |
0.2%
-29.6% YoY-67.1% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
27% |
| Loan To Share |
51.6%
-1.3% YoY-1.0% QoQ
|
-7.3% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
39% |
| AMR |
$17,467
+2.7% YoY-2.4% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
67% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.6% | 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)