BlastPoint's Credit Union Scorecard
POSTAL EMPLOYEES
Charter #64882 · NJ
POSTAL EMPLOYEES has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.52% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 47.60% above tier (higher cost structure)
- - Member decline: -3.9% YoY
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 97 that size in New Jersey.
- Shares and deposits -5.1% year over year ($29.5M in shares and deposits).
- Membership: 1,787 members, -3.9% vs a year ago.
- Delinquency rate 0.87%.
- Return on assets 3.01%.
- Efficiency ratio 136.36% vs a 88.77% peer average.
- Loan-to-share ratio 37.01% 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 (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,787
-3.9% YoY-0.6% QoQ
|
-798 |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
47% |
| Assets |
$35.7M
-1.4% YoY-2.7% QoQ
|
+$5.4M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
65% |
| Loans |
$10.9M
+1.5% YoY-4.1% QoQ
|
$-4.5M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
54% |
| Deposits |
$29.5M
-5.1% YoY+1.1% QoQ
|
+$3.7M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
64% |
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| ROA |
3.0%
+703.2% YoY-271.1% QoQ
|
+1.5% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Top 4.1% in tier |
| NIM |
3.0%
+20.6% YoY+4.4% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
17% |
| Efficiency Ratio |
136.4%
+66.6% YoY-12.4% QoQ
|
+47.6% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.9% in tier |
| Delinquency Rate |
0.9%
-29.7% YoY+17.3% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
37.0%
+7.0% YoY-5.1% QoQ
|
-21.9% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
18% |
| AMR |
$22,621
+0.5% YoY+0.2% QoQ
|
+$8K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
Top 14.0% in tier |
| CD Concentration |
36.6%
-8.1% YoY-2.1% QoQ
|
+12.0% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % |
6.0%
-16.9% QoQ
|
-7.7% | 13.6% | 1.1% | 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)