BlastPoint's Credit Union Scorecard
DECATUR POSTAL
Charter #65841 · IL
DECATUR POSTAL has 2 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
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Efficiency ratio 6.60% above tier (higher cost structure)
- - Member decline: -7.9% YoY
- - Members Per Employee (MPE): Bottom 7.6% in tier
- - Member Growth Rate: Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
490
-7.9% YoY-0.8% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 13.3% in tier |
| Assets |
$6.5M
-1.5% YoY-1.1% QoQ
|
$-23.7M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$2.6M
-2.8% YoY-0.5% QoQ
|
$-13.2M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$5.0M
-2.2% YoY-0.6% QoQ
|
$-20.7M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
0.4%
+8.7% YoY-71.9% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
3.3%
+8.8% YoY-18.9% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
89.2%
-0.2% YoY+29.9% QoQ
|
+6.6% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
73% |
| Delinquency Rate |
1.4%
-35.0% YoY-50.1% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
50.9%
-0.6% YoY+0.0% QoQ
|
-9.7% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$15,436
+6.0% YoY+0.3% QoQ
|
+$653 |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
25.3%
+12.1% YoY+4.5% QoQ
|
+0.9% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 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)