BlastPoint's Credit Union Scorecard

DECATUR POSTAL

Charter #65841 · IL

<100M

2508 CUs in <100M nationally 137 in IL

DECATUR POSTAL faces 5 concerns requiring attention

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.21% below tier average
- Efficiency ratio 11.39% above tier (higher cost structure)
- Delinquency rate 0.74% above tier average
- Member decline: -5.9% YoY
- Members Per Employee (MPE): Bottom 7.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	494 -5.9% YoY+0.8% QoQ	-2.2K	2,676 +1.6% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	Bottom 13.6% in tier
Assets	$6.3M -3.5% YoY-2.0% QoQ	$-23.9M	$30.2M +1.3% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	23%
Loans	$2.6M +0.4% YoY+2.8% QoQ	$-12.7M	$15.3M -2.0% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	22%
Deposits	$4.9M -4.6% YoY-2.4% QoQ	$-20.9M	$25.8M +0.7% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	22%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.1% -105.1% YoY-116.8% QoQ	-0.2%	0.1% -77.6% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	20%
NIM	3.0% -23.1% YoY-10.3% QoQ	-1.1%	4.0% +4.0% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	17%
Efficiency Ratio	102.0% +46.6% YoY+14.4% QoQ	+11.4%	90.6% +6.5% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	Bottom 14.0% in tier
Delinquency Rate	2.2% +112.4% YoY+62.8% QoQ	+0.7	1.5% +3.8% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	83%
Loan To Share	53.6% +5.2% YoY+5.3% QoQ	-4.9%	58.5% -3.0% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	43%
AMR	$15,211 +3.2% YoY-1.5% QoQ	+$327	$14,884 -1.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	57%
CD Concentration	24.6% +5.6% YoY-2.8% QoQ	+0.3%	24.3%	14.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

374

Net Worth Ratio

risk

Value: 22.79%

Peer Median: 14.28%

#374 of 2508 Top 14.9% in <100M tier

Top Weaknesses (13 metrics)

2312

Members Per Employee (MPE)

engagement

Value: 123.500

Peer Median: 333.750

#2312 of 2508 Bottom 7.9% in <100M tier

2166

Total Members

engagement

Value: 494

Peer Median: 1,918

#2166 of 2508 Bottom 13.7% in <100M tier

2161

Member Growth Rate

growth

Value: -5.90%

Peer Median: -1.37%

#2161 of 2508 Bottom 13.9% in <100M tier

2159

Efficiency Ratio

profitability

Value: 102.03%

Peer Median: 81.45%

#2159 of 2508 Bottom 14.0% in <100M tier

2088

Total Delinquency Rate (60+ days)

risk

Value: 2.24%

Peer Median: 0.65%

#2088 of 2508 Bottom 16.8% in <100M tier

2074

Net Interest Margin (NIM)

profitability

Value: 2.95%

Peer Median: 3.83%

#2074 of 2508 Bottom 17.3% in <100M tier

2014

Return on Assets (ROA)

profitability

Value: -0.06%

Peer Median: 0.61%

#2014 of 2508 Bottom 19.7% in <100M tier

2004

Asset Growth Rate

growth

Value: -3.51%

Peer Median: 1.30%

#2004 of 2508 Bottom 20.1% in <100M tier

2004

Deposit Growth Rate

growth

Value: -4.56%

Peer Median: 0.66%

#2004 of 2508 Bottom 20.1% in <100M tier

1966

Fee Income Per Member

profitability

Value: $11.81

Peer Median: $60.42

#1966 of 2508 Bottom 21.7% in <100M tier