BlastPoint's Credit Union Scorecard
MOBILE POSTAL
Charter #62471 · AL
MOBILE POSTAL has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Net Interest Margin 0.08% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.96% above tier average
- - Member decline: -6.8% YoY
- - Net Charge-Off Rate: Bottom 3.4% in tier
- - Share Certificate Concentration (%): Bottom 4.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,603
-6.8% YoY-5.8% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
43% |
| Assets |
$17.0M
+3.3% YoY-1.4% QoQ
|
$-13.2M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$9.0M
-9.6% YoY-7.1% QoQ
|
$-6.3M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
49% |
| Deposits |
$14.7M
+2.8% YoY-1.3% QoQ
|
$-11.1M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
0.3%
-77.5% YoY-69.2% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
34% |
| NIM |
4.1%
-8.1% YoY-1.6% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
62% |
| Efficiency Ratio |
81.0%
+9.0% YoY+14.6% QoQ
|
-9.7% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
2.5%
-17.1% YoY-1.8% QoQ
|
+1.0 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 14.8% in tier |
| Loan To Share |
61.0%
-12.1% YoY-5.9% QoQ
|
+2.5% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$14,770
+4.8% YoY+2.4% QoQ
|
$-114 |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
54% |
| CD Concentration |
48.1%
-4.5% YoY+1.2% QoQ
|
+23.8% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 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)