BlastPoint's Credit Union Scorecard
BLOOMINGTON POSTAL EMPLOYEES
Charter #64038 · IL
BLOOMINGTON POSTAL EMPLOYEES has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 0.12% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 8.6% in tier
- - Loan Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,416
+3.1% YoY+3.7% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$21.0M
-1.3% YoY+1.1% QoQ
|
$-9.1M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$5.2M
-15.5% YoY-3.1% QoQ
|
$-10.6M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
35% |
| Deposits |
$17.1M
-2.1% YoY+1.7% QoQ
|
$-8.6M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
0.3%
-435.0% YoY-41.6% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
2.8%
+14.8% YoY+5.3% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.3% in tier |
| Efficiency Ratio |
82.7%
-17.3% YoY+13.0% QoQ
|
+0.1% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
1.2%
+75.0% YoY-10.0% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
30.4%
-13.6% YoY-4.8% QoQ
|
-30.2% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.6% in tier |
| AMR |
$15,729
-8.4% YoY-3.0% QoQ
|
+$946 |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration | 0.0% | -24.4% | 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)