BlastPoint's Credit Union Scorecard
QUINCY POSTAL EMPLOYEES
Charter #63378 · IL
QUINCY POSTAL EMPLOYEES has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.62% above tier average
- + Net Interest Margin 0.18% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.8% YoY
- - Deposit Growth Rate: Bottom 2.1% in tier
- - Asset Growth Rate: Bottom 2.3% in tier
- - Loan Growth Rate: Bottom 2.8% in tier
- - AMR Growth Rate: Bottom 3.5% in tier
- - Total Loans: Bottom 8.1% in tier
- - Total Members: Bottom 8.4% in tier
- - Fee Income Per Member: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
315
-6.8% YoY-1.3% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 8.3% in tier |
| Assets |
$2.2M
-13.7% YoY+2.3% QoQ
|
$-28.0M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.3% in tier |
| Loans |
$578,236
-28.0% YoY-7.1% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.1% in tier |
| Deposits |
$1.8M
-17.0% YoY+2.6% QoQ
|
$-23.9M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.8% in tier |
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| ROA |
1.2%
-17.8% YoY-19.0% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
4.1%
+1.8% YoY-4.2% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
76.2%
+20.9% YoY+5.3% QoQ
|
-6.3% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
31.8%
-13.2% YoY-9.5% QoQ
|
-28.8% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.6% in tier |
| AMR |
$7,601
-14.1% YoY+1.4% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
14.3%
+11.8% YoY-1.7% QoQ
|
-10.1% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 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)