BlastPoint's Credit Union Scorecard
POSTAL & COMMUNITY
Charter #64145 · MO
POSTAL & COMMUNITY has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.06% above tier average
- + Total Loans: Top 0.2% in tier
- + Total Members: Top 0.8% in tier
- + Total Deposits: Top 1.1% in tier
- + Total Assets: Top 2.6% in tier
- + Members Per Employee (MPE): Top 3.9% in tier
- + Loan Growth Rate: Top 6.6% in tier
- + Asset Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 6.9% in tier
- - Share Certificate Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,114
+0.9% YoY+0.3% QoQ
|
+8.4K |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
Top 0.8% in tier |
| Assets |
$93.1M
+9.5% YoY+1.9% QoQ
|
+$62.9M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Top 2.6% in tier |
| Loans |
$69.6M
+13.3% YoY+3.3% QoQ
|
+$54.3M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
Top 0.3% in tier |
| Deposits |
$83.7M
+9.0% YoY+1.7% QoQ
|
+$57.9M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
Top 1.1% in tier |
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| ROA |
1.2%
-4.4% YoY+11.0% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
76% |
| NIM |
3.3%
-0.7% YoY-4.1% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
28% |
| Efficiency Ratio |
66.4%
+6.5% YoY+2.7% QoQ
|
-24.3% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
20% |
| Delinquency Rate |
0.6%
+101.8% YoY+5.5% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
47% |
| Loan To Share |
83.1%
+3.9% YoY+1.6% QoQ
|
+24.6% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
Top 14.9% in tier |
| AMR |
$13,796
+10.0% YoY+2.2% QoQ
|
$-1K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
49% |
| CD Concentration |
37.7%
+17.5% YoY+2.5% QoQ
|
+13.4% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
14.6%
-27.1% YoY-7.9% QoQ
|
+0.8% | 13.8% | 9.8% | 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)