BlastPoint's Credit Union Scorecard
QUINCY POSTAL EMPLOYEES
Charter #63378 · IL
QUINCY POSTAL EMPLOYEES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.22% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 1.30% above tier average
- - Member decline: -7.3% YoY
- - Loan Growth Rate: Bottom 1.9% in tier
- - Deposit Growth Rate: Bottom 1.9% in tier
- - Asset Growth Rate: Bottom 2.0% in tier
- - AMR Growth Rate: Bottom 3.0% in tier
- - Total Loans: Bottom 7.6% in tier
- - Total Members: Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
307
-7.3% YoY-2.5% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 8.2% in tier |
| Assets |
$2.2M
-14.6% YoY+1.5% QoQ
|
$-28.0M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.2% in tier |
| Loans |
$497,071
-33.9% YoY-14.0% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.6% in tier |
| Deposits |
$1.8M
-17.8% YoY+1.7% QoQ
|
$-23.9M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.9% in tier |
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| ROA |
0.4%
-75.5% YoY-70.4% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
38% |
| NIM |
3.5%
-13.9% YoY-15.1% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
36% |
| Efficiency Ratio |
89.7%
+41.1% YoY+17.6% QoQ
|
-0.9% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
68% |
| Delinquency Rate | 2.8% | +1.3 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.3% in tier |
| Loan To Share |
26.9%
-19.7% YoY-15.5% QoQ
|
-31.6% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 8.8% in tier |
| AMR |
$7,634
-15.7% YoY+0.4% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration |
15.4%
+21.9% YoY+7.3% QoQ
|
-8.9% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 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)