BlastPoint's Credit Union Scorecard
AURORA POSTAL EMPLOYEES
Charter #65906 · IL
AURORA POSTAL EMPLOYEES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.71% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.35% below tier average
- - Efficiency ratio 8.63% above tier (higher cost structure)
- - Delinquency rate 4.57% above tier average
- - Net Charge-Off Rate: Bottom 2.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.8% in tier
- - Members Per Employee (MPE): Bottom 6.7% in tier
- - Total Assets: Bottom 9.0% in tier
- - Fee Income Per Member: Bottom 9.1% in tier
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 127 that size in Illinois.
- Shares and deposits -4.5% year over year ($1.5M in shares and deposits).
- Membership: 438 members, +0.7% vs a year ago.
- Delinquency rate 6.11%.
- Return on assets 0.15%.
- Efficiency ratio 97.40% vs a 88.77% peer average.
- Loan-to-share ratio 84.49% 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 (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
438
+0.7% YoY+1.6% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
Bottom 12.1% in tier |
| Assets |
$1.9M
-2.6% YoY-1.3% QoQ
|
$-28.3M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.9% in tier |
| Loans |
$1.3M
-11.2% YoY+3.7% QoQ
|
$-14.2M |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.3% in tier |
| Deposits |
$1.5M
-4.5% YoY-1.6% QoQ
|
$-24.3M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.1% in tier |
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| ROA |
0.1%
-83.9% YoY-95.4% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 9.2% in tier |
| NIM |
5.6%
+4.3% YoY-22.3% QoQ
|
+1.7% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Top 5.4% in tier |
| Efficiency Ratio |
97.4%
+16.9% YoY+47.9% QoQ
|
+8.6% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
6.1%
+14.0% YoY+144.1% QoQ
|
+4.6 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.8% in tier |
| Loan To Share |
84.5%
-7.0% YoY+5.3% QoQ
|
+25.6% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
Top 14.8% in tier |
| AMR |
$6,336
-8.3% YoY-0.8% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.6% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 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)