BlastPoint's Credit Union Scorecard
POSTAL EMPLOYEES
Charter #64882 · NJ
POSTAL EMPLOYEES faces 7 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.91% below tier average
- - Efficiency ratio 64.95% above tier (higher cost structure)
- - Member decline: -5.3% YoY
- - Net Charge-Off Rate: Bottom 2.7% in tier
- - Deposit Growth Rate: Bottom 6.5% in tier
- - Share Certificate Concentration (%): Bottom 9.5% in tier
- - Indirect Auto Concentration (%): Bottom 9.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,797
-5.3% YoY-1.4% QoQ
|
-879 |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
47% |
| Assets |
$36.7M
+0.4% YoY-18.5% QoQ
|
+$6.5M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
66% |
| Loans |
$11.4M
+3.4% YoY+5.5% QoQ
|
$-3.9M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
55% |
| Deposits |
$29.2M
-10.3% YoY+0.0% QoQ
|
+$3.4M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
63% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-1.8%
-1293.0% YoY-630.5% QoQ
|
-1.9% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.3% in tier |
| NIM |
2.9%
+60.7% YoY+20.0% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 15.0% in tier |
| Efficiency Ratio |
155.6%
+67.0% YoY+82.5% QoQ
|
+65.0% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.7% in tier |
| Delinquency Rate |
0.7%
-73.3% YoY-77.1% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
39.0%
+15.3% YoY+5.5% QoQ
|
-19.5% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
21% |
| AMR |
$22,572
-1.6% YoY+3.0% QoQ
|
+$8K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Top 13.6% in tier |
| CD Concentration |
37.4%
-6.2% YoY-0.4% QoQ
|
+13.1% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 7.2% | -6.6% | 13.8% | 1.0% | 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)