BlastPoint's Credit Union Scorecard
MOBILE POSTAL
Charter #62471 · AL
MOBILE POSTAL has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.44% above tier average
- + Net Interest Margin 0.31% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.97% above tier average
- - Member decline: -8.0% YoY
- - Share Certificate Concentration (%): Bottom 3.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.2% in tier
- - Member Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,611
-8.0% YoY-3.6% QoQ
|
-1.0K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
43% |
| Assets |
$16.7M
+0.6% YoY+1.0% QoQ
|
$-13.2M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$9.7M
-6.9% YoY+0.2% QoQ
|
$-6.0M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
50% |
| Deposits |
$14.5M
-0.8% YoY+0.7% QoQ
|
$-11.0M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
45% |
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| ROA |
1.1%
+506.8% YoY-11.6% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
4.2%
+35.1% YoY+1.0% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
65% |
| Efficiency Ratio |
74.9%
-7.7% YoY+2.2% QoQ
|
-6.5% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
42% |
| Delinquency Rate |
4.5%
+26.2% YoY+172.7% QoQ
|
+3.0 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Top 7.2% in tier |
| Loan To Share |
67.3%
-6.1% YoY-0.5% QoQ
|
+6.0% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
58% |
| AMR |
$15,006
+5.1% YoY+4.3% QoQ
|
+$380 |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
57% |
| CD Concentration |
50.1%
-5.1% YoY-2.1% QoQ
|
+25.7% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
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)