BlastPoint's Credit Union Scorecard
AURORA POSTAL EMPLOYEES
Charter #65906 · IL
2556 CUs in <100M nationally
138 in IL
AURORA POSTAL EMPLOYEES has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Net Interest Margin 1.51% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.44% above tier (higher cost structure)
- - Delinquency rate 5.07% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.9% in tier
- - Total Assets: Bottom 9.3% in tier
- - Members Per Employee (MPE): Bottom 9.4% in tier
- - Total Deposits: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
428
-0.5% YoY+0.9% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 11.7% in tier |
| Assets |
$1.9M
+1.1% YoY-2.3% QoQ
|
$-28.2M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.2% in tier |
| Loans |
$1.3M
-7.8% YoY-2.6% QoQ
|
$-14.4M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.4% in tier |
| Deposits |
$1.5M
+0.1% YoY-2.8% QoQ
|
$-24.2M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.4% in tier |
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| ROA |
0.7%
-57.9% YoY-39.7% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
5.5%
+29.1% YoY-1.4% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 7.6% in tier |
| Efficiency Ratio |
88.0%
+38.8% YoY+9.4% QoQ
|
+5.4% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
71% |
| Delinquency Rate |
6.6%
+152.1% YoY+3.0% QoQ
|
+5.1 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 3.9% in tier |
| Loan To Share |
87.8%
-7.9% YoY+0.1% QoQ
|
+27.2% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Top 12.4% in tier |
| AMR |
$6,641
-3.3% YoY-3.6% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.7% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
194
Net Interest Margin (NIM)
profitability
Value:
5.47%
Peer Median: -
#194 of 2556
Top 7.6% in <100M tier
314
Loan-to-Share Ratio
balance_sheet
Value:
87.81%
Peer Median: -
#314 of 2556
Top 12.2% in <100M tier
515
Net Worth Ratio
risk
Value:
20.77%
Peer Median: -
#515 of 2556
Top 20.1% in <100M tier
Top Weaknesses (10 metrics)
2457
Total Delinquency Rate (60+ days)
risk
Value:
6.63%
Peer Median: -
#2457 of 2556
Bottom 3.9% in <100M tier
2320
Total Assets
balance_sheet
Value:
$1.93M
Peer Median: -
#2320 of 2556
Bottom 9.3% in <100M tier
2318
Members Per Employee (MPE)
engagement
Value:
142.667
Peer Median: -
#2318 of 2556
Bottom 9.4% in <100M tier
2315
Total Deposits
balance_sheet
Value:
$1.51M
Peer Median: -
#2315 of 2556
Bottom 9.5% in <100M tier
2256
Total Members
engagement
Value:
428
Peer Median: -
#2256 of 2556
Bottom 11.8% in <100M tier
2255
Fee Income Per Member
profitability
Value:
$3.69
Peer Median: -
#2255 of 2556
Bottom 11.8% in <100M tier
2214
Total Loans
balance_sheet
Value:
$1.33M
Peer Median: -
#2214 of 2556
Bottom 13.4% in <100M tier
2207
Average Member Relationship (AMR)
engagement
Value:
$6,641
Peer Median: -
#2207 of 2556
Bottom 13.7% in <100M tier
2024
Net Charge-Off Rate
risk
Value:
0.78%
Peer Median: -
#2024 of 2556
Bottom 20.9% in <100M tier
1996
AMR Growth Rate
growth
Value:
-3.33%
Peer Median: -
#1996 of 2556
Bottom 21.9% in <100M tier