BlastPoint's Credit Union Scorecard
ALABAMA POSTAL
Charter #64645 · AL
2556 CUs in <100M nationally
55 in AL
ALABAMA POSTAL has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.63% above tier average
- + Net Interest Margin 1.79% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.6% in tier
- + Net Charge-Off Rate: Top 3.6% in tier
- + Deposit Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.11% above tier average
- - Share Certificate Concentration (%): Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
904
+1.9% YoY+0.2% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$6.4M
+7.8% YoY+0.6% QoQ
|
$-23.8M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$2.3M
+2.4% YoY-0.7% QoQ
|
$-13.5M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$3.6M
+9.8% YoY+0.4% QoQ
|
$-22.1M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
2.2%
-8.8% YoY-9.1% QoQ
|
+1.6% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Top 4.5% in tier |
| NIM |
5.7%
-6.5% YoY-2.5% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Top 5.4% in tier |
| Efficiency Ratio |
62.0%
+1.3% YoY+4.5% QoQ
|
-20.6% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.6% in tier |
| Delinquency Rate |
2.7%
-13.3% YoY-40.7% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
63.8%
-6.7% YoY-1.1% QoQ
|
+3.2% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$6,502
+4.8% YoY-0.3% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.3% in tier |
| CD Concentration |
39.6%
+18.6% YoY+13.9% QoQ
|
+15.2% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
42
Net Worth Ratio
risk
Value:
43.65%
Peer Median: -
#42 of 2556
Top 1.6% in <100M tier
94
Net Charge-Off Rate
risk
Value:
-0.09%
Peer Median: -
#94 of 2556
Top 3.6% in <100M tier
116
Return on Assets (ROA)
profitability
Value:
2.25%
Peer Median: -
#116 of 2556
Top 4.5% in <100M tier
139
Net Interest Margin (NIM)
profitability
Value:
5.74%
Peer Median: -
#139 of 2556
Top 5.4% in <100M tier
253
Deposit Growth Rate
growth
Value:
9.79%
Peer Median: -
#253 of 2556
Top 9.9% in <100M tier
349
Efficiency Ratio
profitability
Value:
61.99%
Peer Median: -
#349 of 2556
Top 13.6% in <100M tier
353
Asset Growth Rate
growth
Value:
7.78%
Peer Median: -
#353 of 2556
Top 13.8% in <100M tier
430
Member Growth Rate
growth
Value:
1.92%
Peer Median: -
#430 of 2556
Top 16.8% in <100M tier
Top Weaknesses (9 metrics)
2364
Share Certificate Concentration (%)
balance_sheet
Value:
39.64%
Peer Median: -
#2364 of 2556
Bottom 7.6% in <100M tier
2216
Average Member Relationship (AMR)
engagement
Value:
$6,502
Peer Median: -
#2216 of 2556
Bottom 13.3% in <100M tier
2162
Total Delinquency Rate (60+ days)
risk
Value:
2.66%
Peer Median: -
#2162 of 2556
Bottom 15.5% in <100M tier
2102
Total Deposits
balance_sheet
Value:
$3.59M
Peer Median: -
#2102 of 2556
Bottom 17.8% in <100M tier
2097
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,532
Peer Median: -
#2097 of 2556
Bottom 18.0% in <100M tier
2062
Total Loans
balance_sheet
Value:
$2.29M
Peer Median: -
#2062 of 2556
Bottom 19.4% in <100M tier
2047
Fee Income Per Member
profitability
Value:
$12.29
Peer Median: -
#2047 of 2556
Bottom 20.0% in <100M tier
2033
Members Per Employee (MPE)
engagement
Value:
226.000
Peer Median: -
#2033 of 2556
Bottom 20.5% in <100M tier
1955
Total Assets
balance_sheet
Value:
$6.38M
Peer Median: -
#1955 of 2556
Bottom 23.6% in <100M tier