BlastPoint's Credit Union Scorecard
POSTAL EMPLOYEES
Charter #64882 · NJ
POSTAL EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Efficiency ratio 2.70% above tier (higher cost structure)
- - Delinquency rate 1.67% above tier average
- - Member decline: -3.7% YoY
- - Deposit Growth Rate: Bottom 6.0% in tier
- - Net Interest Margin (NIM): Bottom 6.7% in tier
- - Share Certificate Concentration (%): Bottom 9.5% in tier
- - Net Charge-Off Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,823
-3.7% YoY-0.3% QoQ
|
-792 |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$45.0M
+22.1% YoY+35.3% QoQ
|
+$14.9M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$10.8M
-3.9% YoY-1.8% QoQ
|
$-5.0M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$29.2M
-10.8% YoY-3.8% QoQ
|
+$3.5M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
0.3%
-111.6% YoY-52.6% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
2.4%
+4.0% YoY-14.1% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.7% in tier |
| Efficiency Ratio |
85.3%
-52.9% YoY+14.9% QoQ
|
+2.7% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
3.2%
+21.6% YoY+55.7% QoQ
|
+1.7 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 11.8% in tier |
| Loan To Share |
37.0%
+7.7% YoY+2.1% QoQ
|
-23.6% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$21,923
-5.5% YoY-3.0% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
85% |
| CD Concentration |
37.5%
-14.6% YoY-5.7% QoQ
|
+13.1% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.8% | 13.8% | 1.0% | 7.8% | 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)