BlastPoint's Credit Union Scorecard
QUINCY POSTAL EMPLOYEES
Charter #63378 · IL
QUINCY POSTAL EMPLOYEES faces 8 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 1.19% below tier average
- - Efficiency ratio 1.71% above tier (higher cost structure)
- - Delinquency rate 1.12% above tier average
- - Member decline: -6.2% YoY
- - Loan Growth Rate: Bottom 2.9% in tier
- - Total Loans: Bottom 7.5% in tier
- - Loan-to-Share Ratio: Bottom 7.9% in tier
- - Total Members: Bottom 8.2% 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 127 that size in Illinois.
- Shares and deposits +0.5% year over year ($1.8M in shares and deposits).
- Membership: 305 members, -6.2% vs a year ago.
- Delinquency rate 2.67%.
- Return on assets 0.30%.
- Efficiency ratio 90.48% vs a 88.77% peer average.
- Loan-to-share ratio 26.03% 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 (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
305
-6.2% YoY-0.7% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
Bottom 8.1% in tier |
| Assets |
$2.2M
+0.8% YoY-0.3% QoQ
|
$-28.1M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.0% in tier |
| Loans |
$478,409
-29.1% YoY-3.8% QoQ
|
$-15.0M |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.4% in tier |
| Deposits |
$1.8M
+0.5% YoY-0.5% QoQ
|
$-24.0M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.6% in tier |
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| ROA |
0.3%
-82.9% YoY-18.1% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
3.4%
-17.0% YoY-3.0% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
90.5%
+32.1% YoY+0.9% QoQ
|
+1.7% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
2.7%
-4.9% QoQ
|
+1.1 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 15.0% in tier |
| Loan To Share |
26.0%
-29.5% YoY-3.3% QoQ
|
-32.9% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 7.8% in tier |
| AMR |
$7,594
-1.4% YoY-0.5% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration |
15.6%
+26.7% YoY+1.7% QoQ
|
-8.9% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 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)