BlastPoint's Credit Union Scorecard
ALABAMA POSTAL
Charter #64645 · AL
2596 CUs in <100M nationally
54 in AL
ALABAMA POSTAL has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.79% above tier average
- + Net Interest Margin 1.96% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.99% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
902
+1.1% YoY+0.8% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$6.3M
+6.7% YoY+0.8% QoQ
|
$-23.5M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
24% |
| Loans |
$2.3M
+3.2% YoY+2.7% QoQ
|
$-13.5M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$3.6M
+7.6% YoY-0.0% QoQ
|
$-21.9M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
2.5%
-7.9% YoY+5.6% QoQ
|
+1.8% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Top 3.8% in tier |
| NIM |
5.9%
-6.1% YoY+0.3% QoQ
|
+2.0% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Top 4.7% in tier |
| Efficiency Ratio |
59.3%
+1.0% YoY-3.7% QoQ
|
-22.0% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.2% in tier |
| Delinquency Rate |
4.5%
+89.1% YoY+154.5% QoQ
|
+3.0 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Top 7.1% in tier |
| Loan To Share |
64.5%
-4.1% YoY+2.7% QoQ
|
+3.3% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
54% |
| AMR |
$6,519
+4.7% YoY+0.3% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.4% in tier |
| CD Concentration |
34.8%
+40.2% YoY+3.7% QoQ
|
+10.4% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
44
Net Worth Ratio
risk
Value:
43.52%
Peer Avg: -
#44 of 2596
Top 1.7% in <100M tier
98
Return on Assets (ROA)
profitability
Value:
2.47%
Peer Avg: -
#98 of 2596
Top 3.7% in <100M tier
122
Net Interest Margin (NIM)
profitability
Value:
5.89%
Peer Avg: -
#122 of 2596
Top 4.7% in <100M tier
343
Efficiency Ratio
profitability
Value:
59.35%
Peer Avg: -
#343 of 2596
Top 13.2% in <100M tier
375
Deposit Growth Rate
growth
Value:
7.63%
Peer Avg: -
#375 of 2596
Top 14.4% in <100M tier
460
Asset Growth Rate
growth
Value:
6.69%
Peer Avg: -
#460 of 2596
Top 17.7% in <100M tier
590
Member Growth Rate
growth
Value:
1.12%
Peer Avg: -
#590 of 2596
Top 22.7% in <100M tier
Top Weaknesses (9 metrics)
2413
Total Delinquency Rate (60+ days)
risk
Value:
4.50%
Peer Avg: -
#2413 of 2596
Bottom 7.1% in <100M tier
2288
Share Certificate Concentration (%)
balance_sheet
Value:
34.81%
Peer Avg: -
#2288 of 2596
Bottom 11.9% in <100M tier
2248
Average Member Relationship (AMR)
engagement
Value:
$6,519
Peer Avg: -
#2248 of 2596
Bottom 13.4% in <100M tier
2129
Total Deposits
balance_sheet
Value:
$3.57M
Peer Avg: -
#2129 of 2596
Bottom 18.0% in <100M tier
2116
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,557
Peer Avg: -
#2116 of 2596
Bottom 18.5% in <100M tier
2090
Total Loans
balance_sheet
Value:
$2.31M
Peer Avg: -
#2090 of 2596
Bottom 19.5% in <100M tier
2071
Members Per Employee (MPE)
engagement
Value:
225.500
Peer Avg: -
#2071 of 2596
Bottom 20.3% in <100M tier
2031
Fee Income Per Member
profitability
Value:
$13.49
Peer Avg: -
#2031 of 2596
Bottom 21.8% in <100M tier
1980
Total Assets
balance_sheet
Value:
$6.34M
Peer Avg: -
#1980 of 2596
Bottom 23.8% in <100M tier