BlastPoint's Credit Union Scorecard
MOBILE POSTAL
Charter #62471 · AL
MOBILE POSTAL has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.25% above tier average
- + Net Interest Margin 0.20% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.96% above tier average
- - Member decline: -6.0% YoY
- - Share Certificate Concentration (%): Bottom 4.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,702
-6.0% YoY+5.6% QoQ
|
-913 |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$17.2M
+4.4% YoY+3.1% QoQ
|
$-12.9M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
45% |
| Loans |
$9.6M
-3.2% YoY-0.7% QoQ
|
$-6.1M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$14.9M
+3.4% YoY+3.1% QoQ
|
$-10.8M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
0.9%
+121.0% YoY-23.1% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
4.2%
+23.2% YoY-2.3% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
70.6%
-10.7% YoY-5.7% QoQ
|
-11.9% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
2.5%
-38.7% YoY-43.9% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
64.8%
-6.3% YoY-3.7% QoQ
|
+4.2% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$14,422
+7.1% YoY-3.9% QoQ
|
$-360 |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
53% |
| CD Concentration |
47.5%
-8.1% YoY-5.2% QoQ
|
+23.1% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 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)