BlastPoint's Credit Union Scorecard
MOBILE POSTAL
Charter #62471 · AL
MOBILE POSTAL has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.22% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.96% below tier average
- - Delinquency rate 1.32% above tier average
- - Member decline: -4.1% YoY
- - Net Charge-Off Rate: Bottom 3.2% in tier
- - Share Certificate Concentration (%): Bottom 5.3% in tier
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 52 that size in Alabama.
- Shares and deposits +0.8% year over year ($14.5M in shares and deposits).
- Membership: 1,602 members, -4.1% vs a year ago.
- Delinquency rate 2.87%.
- Return on assets 0.53%.
- Efficiency ratio 72.81% vs a 88.77% peer average.
- Loan-to-share ratio 60.08% 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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,602
-4.1% YoY-0.1% QoQ
|
-983 |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
43% |
| Assets |
$16.7M
+0.9% YoY-1.6% QoQ
|
$-13.6M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
44% |
| Loans |
$8.7M
-10.4% YoY-3.0% QoQ
|
$-6.8M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
48% |
| Deposits |
$14.5M
+0.8% YoY-1.6% QoQ
|
$-11.3M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
44% |
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| ROA |
0.5%
-58.4% YoY+98.6% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
33% |
| NIM |
4.1%
-2.0% YoY+0.9% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
72.8%
-0.6% YoY-10.1% QoQ
|
-16.0% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
32% |
| Delinquency Rate |
2.9%
+74.3% YoY+16.1% QoQ
|
+1.3 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 13.9% in tier |
| Loan To Share |
60.1%
-11.1% YoY-1.5% QoQ
|
+1.2% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$14,461
+0.5% YoY-2.1% QoQ
|
$-501 |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
53% |
| CD Concentration |
45.9%
-10.3% YoY-4.6% QoQ
|
+21.3% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 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)