BlastPoint's Credit Union Scorecard
POSTAL & COMMUNITY
Charter #64145 · MO
POSTAL & COMMUNITY has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 0.2% in tier
- + Total Deposits: Top 0.8% in tier
- + Total Members: Top 0.9% in tier
- + Total Assets: Top 1.6% in tier
- + Members Per Employee (MPE): Top 3.6% in tier
- + Loan Growth Rate: Top 5.8% in tier
- + Asset Growth Rate: Top 6.4% in tier
- + Deposit Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Indirect Auto Concentration (%): Bottom 7.1% in tier
- - Share Certificate Concentration (%): Bottom 9.2% 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 58 that size in Missouri.
- Shares and deposits +10.2% year over year ($85.4M in shares and deposits).
- Membership: 11,156 members, +0.8% vs a year ago.
- Delinquency rate 0.38%.
- Return on assets 1.06%.
- Efficiency ratio 64.45% vs a 88.77% peer average.
- Loan-to-share ratio 87.10% 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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,156
+0.8% YoY+0.4% QoQ
|
+8.6K |
2,585
-1.7% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
Top 0.9% in tier |
| Assets |
$94.7M
+10.3% YoY+1.7% QoQ
|
+$64.4M |
$30.3M
+1.5% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
Top 1.7% in tier |
| Loans |
$74.3M
+14.3% YoY+6.8% QoQ
|
+$58.9M |
$15.5M
-1.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
Top 0.3% in tier |
| Deposits |
$85.4M
+10.2% YoY+2.0% QoQ
|
+$59.6M |
$25.8M
+1.1% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Top 0.9% in tier |
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| ROA |
1.1%
+23.7% YoY-11.6% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
64% |
| NIM |
3.3%
-3.0% YoY+1.3% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
64.4%
-2.2% YoY-2.9% QoQ
|
-24.3% |
88.8%
-6.9% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
17% |
| Delinquency Rate |
0.4%
+40.0% YoY-34.6% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
36% |
| Loan To Share |
87.1%
+3.7% YoY+4.8% QoQ
|
+28.2% |
58.9%
-3.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
Top 11.8% in tier |
| AMR |
$14,315
+11.2% YoY+3.8% QoQ
|
$-647 |
$14,963
-6.8% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
38.2%
+18.5% YoY+1.5% QoQ
|
+13.7% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % |
13.3%
-28.6% YoY-8.9% QoQ
|
-0.3% | 13.6% | 9.9% | 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)