BlastPoint's Credit Union Scorecard
DUBUQUE POSTAL EMPLOYEES
Charter #64917 · IA
DUBUQUE POSTAL EMPLOYEES has 5 strengths but faces 5 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
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 7.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Efficiency ratio 0.01% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 6.0% in tier
- - Fee Income Per Member: Bottom 6.2% in tier
- - Total Members: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
302
+2.4% YoY-0.3% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Bottom 8.1% in tier |
| Assets |
$4.3M
+0.5% YoY+0.3% QoQ
|
$-25.5M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
17% |
| Loans |
$1.4M
+13.3% YoY-0.5% QoQ
|
$-14.3M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.5% in tier |
| Deposits |
$3.7M
+0.1% YoY+0.5% QoQ
|
$-21.8M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
0.4%
+0.1% YoY+66.1% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
2.4%
+12.2% YoY+6.8% QoQ
|
-1.6% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.0% in tier |
| Efficiency Ratio |
81.4%
+2.9% YoY-7.6% QoQ
|
+0.0% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.2%
+215.8% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
29% |
| Loan To Share |
39.4%
+13.2% YoY-1.1% QoQ
|
-21.8% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
18% |
| AMR |
$16,920
+1.1% YoY+0.6% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
67% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
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)