BlastPoint's Credit Union Scorecard
AURORA POSTAL EMPLOYEES
Charter #65906 · IL
2596 CUs in <100M nationally
143 in IL
AURORA POSTAL EMPLOYEES has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.42% above tier average
- + Net Interest Margin 1.61% 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
- + Net Charge-Off Rate: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.93% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.0% in tier
- - Members Per Employee (MPE): Bottom 9.2% in tier
- - Total Assets: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
424
-1.2% YoY-2.5% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 11.9% in tier |
| Assets |
$2.0M
+1.0% YoY-0.5% QoQ
|
$-27.9M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.7% in tier |
| Loans |
$1.4M
-9.8% YoY-4.6% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.8% in tier |
| Deposits |
$1.6M
+0.7% YoY-1.2% QoQ
|
$-23.9M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.1% in tier |
| ROA |
1.1%
-18.0% YoY+20.9% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
66% |
| NIM |
5.5%
+15.0% YoY+3.1% QoQ
|
+1.6% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 7.0% in tier |
| Efficiency Ratio |
80.4%
+10.8% YoY-3.5% QoQ
|
-1.0% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
55% |
| Delinquency Rate |
6.4%
+173.8% YoY+20.1% QoQ
|
+4.9 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 4.0% in tier |
| Loan To Share |
87.7%
-10.4% YoY-3.5% QoQ
|
+26.5% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 13.5% in tier |
| AMR |
$6,890
-3.3% YoY-0.3% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
168
Net Charge-Off Rate
risk
Value:
-0.03%
Peer Avg: 0.57%
#168 of 2596
Top 6.4% in <100M tier
181
Net Interest Margin (NIM)
profitability
Value:
5.55%
Peer Avg: 3.93%
#181 of 2596
Top 6.9% in <100M tier
346
Loan-to-Share Ratio
balance_sheet
Value:
87.70%
Peer Avg: 61.23%
#346 of 2596
Top 13.3% in <100M tier
539
Net Worth Ratio
risk
Value:
20.46%
Peer Avg: 16.43%
#539 of 2596
Top 20.7% in <100M tier
Top Weaknesses (10 metrics)
2494
Total Delinquency Rate (60+ days)
risk
Value:
6.44%
Peer Avg: 1.51%
#2494 of 2596
Bottom 4.0% in <100M tier
2359
Members Per Employee (MPE)
engagement
Value:
141.333
Peer Avg: 365.701
#2359 of 2596
Bottom 9.2% in <100M tier
2345
Total Assets
balance_sheet
Value:
$1.97M
Peer Avg: $29.86M
#2345 of 2596
Bottom 9.7% in <100M tier
2335
Total Deposits
balance_sheet
Value:
$1.56M
Peer Avg: $25.45M
#2335 of 2596
Bottom 10.1% in <100M tier
2288
Total Members
engagement
Value:
424
Peer Avg: 2,626
#2288 of 2596
Bottom 11.9% in <100M tier
2259
Fee Income Per Member
profitability
Value:
$3.98
Peer Avg: $182.96
#2259 of 2596
Bottom 13.0% in <100M tier
2237
Total Loans
balance_sheet
Value:
$1.36M
Peer Avg: $15.77M
#2237 of 2596
Bottom 13.9% in <100M tier
2214
Average Member Relationship (AMR)
engagement
Value:
$6,890
Peer Avg: $14,627
#2214 of 2596
Bottom 14.8% in <100M tier
2027
Loan Growth Rate
growth
Value:
-9.77%
Peer Avg: 59.01%
#2027 of 2596
Bottom 22.0% in <100M tier
1996
AMR Growth Rate
growth
Value:
-3.33%
Peer Avg: 4.67%
#1996 of 2596
Bottom 23.2% in <100M tier