BlastPoint's Credit Union Scorecard
POSTAL & COMMUNITY
Charter #64145 · MO
POSTAL & COMMUNITY has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.55% above tier average
- + Total Members: Top 0.7% in tier
- + Total Loans: Top 0.8% in tier
- + Total Deposits: Top 3.2% in tier
- + Members Per Employee (MPE): Top 4.0% in tier
- + Total Assets: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,097
+0.1% YoY+0.3% QoQ
|
+8.5K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
Top 0.8% in tier |
| Assets |
$87.2M
+4.8% YoY+1.7% QoQ
|
+$57.4M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 4.6% in tier |
| Loans |
$67.5M
+8.1% YoY+3.8% QoQ
|
+$51.7M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
Top 0.9% in tier |
| Deposits |
$78.6M
+4.2% YoY+1.5% QoQ
|
+$53.1M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
Top 3.3% in tier |
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| ROA |
1.2%
+6.8% YoY+43.0% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
72% |
| NIM |
3.5%
+2.1% YoY+2.1% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
35% |
| Efficiency Ratio |
61.1%
-11.1% YoY-7.3% QoQ
|
-20.3% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.5%
+3.7% YoY+79.3% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
41% |
| Loan To Share |
85.9%
+3.7% YoY+2.3% QoQ
|
+24.7% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$13,164
+5.9% YoY+2.3% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
47% |
| CD Concentration |
34.0%
+3.6% YoY+5.3% QoQ
|
+9.6% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
17.0%
-26.2% YoY-8.8% QoQ
|
+3.1% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
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)