BlastPoint's Credit Union Scorecard
ALABAMA POSTAL
Charter #64645 · AL
ALABAMA POSTAL demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Net Interest Margin 1.53% above tier average
- + Net Worth Ratio: Top 1.3% in tier
- + Net Charge-Off Rate: Top 3.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
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 52 that size in Alabama.
- Shares and deposits -0.8% year over year ($3.5M in shares and deposits).
- Membership: 924 members, +3.2% vs a year ago.
- Delinquency rate 0.28%.
- Return on assets 1.85%.
- Efficiency ratio 67.17% vs a 88.77% peer average.
- Loan-to-share ratio 63.98% 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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
924
+3.2% YoY+1.0% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
27% |
| Assets |
$6.4M
+1.6% YoY+0.4% QoQ
|
$-23.9M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
23% |
| Loans |
$2.3M
+1.0% YoY+3.9% QoQ
|
$-13.2M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$3.5M
-0.8% YoY-0.1% QoQ
|
$-22.3M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
17% |
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| ROA |
1.9%
-20.9% YoY-8.3% QoQ
|
+0.4% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
Top 12.0% in tier |
| NIM |
5.4%
-7.5% YoY-5.5% QoQ
|
+1.5% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
Top 6.6% in tier |
| Efficiency Ratio |
67.2%
+9.0% YoY+2.6% QoQ
|
-21.6% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
21% |
| Delinquency Rate |
0.3%
-84.1% YoY-90.1% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
31% |
| Loan To Share |
64.0%
+1.8% YoY+4.0% QoQ
|
+5.1% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
58% |
| AMR |
$6,294
-3.2% YoY+0.4% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.3% in tier |
| CD Concentration |
36.5%
+8.8% YoY-13.8% QoQ
|
+12.0% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 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)