BlastPoint's Credit Union Scorecard
ALABAMA POSTAL
Charter #64645 · AL
<100M
2508 CUs in <100M nationally
53 in AL
ALABAMA POSTAL has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.88% above tier average
- + Net Interest Margin 1.74% above tier average
- + Net Worth Ratio: Top 1.4% in tier
- + Net Charge-Off Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.34% above tier average
- - Share Certificate Concentration (%): Bottom 6.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
915
+2.8% YoY+1.2% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$6.4M
+5.4% YoY-0.2% QoQ
|
$-23.8M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
23% |
| Loans |
$2.2M
-6.0% YoY-4.6% QoQ
|
$-13.1M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$3.5M
+5.7% YoY-1.1% QoQ
|
$-22.2M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
2.0%
-21.2% YoY-10.1% QoQ
|
+1.9% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
Top 6.1% in tier |
| NIM |
5.7%
-8.5% YoY+0.1% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Top 4.7% in tier |
| Efficiency Ratio |
65.4%
+9.0% YoY+5.6% QoQ
|
-25.2% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
18% |
| Delinquency Rate |
2.8%
+8.6% YoY+6.6% QoQ
|
+1.3 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.2% in tier |
| Loan To Share |
61.5%
-11.1% YoY-3.6% QoQ
|
+3.0% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$6,266
-1.8% YoY-3.6% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 12.5% in tier |
| CD Concentration |
42.3%
+23.8% YoY+6.8% QoQ
|
+18.1% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 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: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
36
Net Worth Ratio
risk
Value:
44.24%
Peer Median: 14.28%
#36 of 2508
Top 1.4% in <100M tier
102
Net Charge-Off Rate
risk
Value:
-0.39%
Peer Median: 0.07%
#102 of 2508
Top 4.0% in <100M tier
119
Net Interest Margin (NIM)
profitability
Value:
5.75%
Peer Median: 3.83%
#119 of 2508
Top 4.7% in <100M tier
154
Return on Assets (ROA)
profitability
Value:
2.02%
Peer Median: 0.61%
#154 of 2508
Top 6.1% in <100M tier
319
Member Growth Rate
growth
Value:
2.81%
Peer Median: -1.37%
#319 of 2508
Top 12.7% in <100M tier
465
Efficiency Ratio
profitability
Value:
65.44%
Peer Median: 81.45%
#465 of 2508
Top 18.5% in <100M tier
511
Deposit Growth Rate
growth
Value:
5.73%
Peer Median: 0.66%
#511 of 2508
Top 20.3% in <100M tier
549
Asset Growth Rate
growth
Value:
5.44%
Peer Median: 1.30%
#549 of 2508
Top 21.9% in <100M tier
Top Weaknesses (9 metrics)
2355
Share Certificate Concentration (%)
balance_sheet
Value:
42.35%
Peer Median: 12.45%
#2355 of 2508
Bottom 6.1% in <100M tier
2203
Total Delinquency Rate (60+ days)
risk
Value:
2.84%
Peer Median: 0.65%
#2203 of 2508
Bottom 12.2% in <100M tier
2195
Average Member Relationship (AMR)
engagement
Value:
$6,266
Peer Median: $13,926
#2195 of 2508
Bottom 12.5% in <100M tier
2082
Fee Income Per Member
profitability
Value:
$7.01
Peer Median: $60.42
#2082 of 2508
Bottom 17.0% in <100M tier
2069
Total Deposits
balance_sheet
Value:
$3.55M
Peer Median: $18.77M
#2069 of 2508
Bottom 17.5% in <100M tier
2068
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,387
Peer Median: $4,923
#2068 of 2508
Bottom 17.6% in <100M tier
2031
Total Loans
balance_sheet
Value:
$2.18M
Peer Median: $9.48M
#2031 of 2508
Bottom 19.1% in <100M tier
1975
Members Per Employee (MPE)
engagement
Value:
228.750
Peer Median: 333.750
#1975 of 2508
Bottom 21.3% in <100M tier
1925
Total Assets
balance_sheet
Value:
$6.37M
Peer Median: $21.86M
#1925 of 2508
Bottom 23.3% in <100M tier