BlastPoint's Credit Union Scorecard
AURORA POSTAL EMPLOYEES
Charter #65906 · IL
<100M
2508 CUs in <100M nationally
137 in IL
AURORA POSTAL EMPLOYEES has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.04% above tier average
- + Net Interest Margin 3.22% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 1.00% above tier average
- - Net Charge-Off Rate: Bottom 1.4% in tier
- - Total Assets: Bottom 9.2% in tier
- - Members Per Employee (MPE): Bottom 9.4% in tier
- - Total Deposits: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
431
-0.2% YoY+0.7% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 11.8% in tier |
| Assets |
$2.0M
-0.2% YoY+1.4% QoQ
|
$-28.2M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.1% in tier |
| Loans |
$1.2M
-8.9% YoY-7.8% QoQ
|
$-14.1M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 13.1% in tier |
| Deposits |
$1.5M
-1.7% YoY+1.0% QoQ
|
$-24.3M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.4% in tier |
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| ROA |
3.2%
+145.5% YoY+378.2% QoQ
|
+3.0% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Top 1.8% in tier |
| NIM |
7.2%
+16.0% YoY+32.1% QoQ
|
+3.2% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Top 1.1% in tier |
| Efficiency Ratio |
65.8%
-17.2% YoY-25.2% QoQ
|
-24.8% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
19% |
| Delinquency Rate |
2.5%
+11.8% YoY-62.2% QoQ
|
+1.0 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 14.3% in tier |
| Loan To Share |
80.2%
-7.3% YoY-8.6% QoQ
|
+21.7% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
82% |
| AMR |
$6,390
-4.8% YoY-3.8% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 12.9% in tier |
| CD Concentration | 0.0% | -24.3% | 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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
27
Net Interest Margin (NIM)
profitability
Value:
7.22%
Peer Median: 3.83%
#27 of 2508
Top 1.0% in <100M tier
46
Return on Assets (ROA)
profitability
Value:
3.18%
Peer Median: 0.61%
#46 of 2508
Top 1.8% in <100M tier
455
Loan-to-Share Ratio
balance_sheet
Value:
80.23%
Peer Median: 58.72%
#455 of 2508
Top 18.1% in <100M tier
463
Net Worth Ratio
risk
Value:
21.28%
Peer Median: 14.28%
#463 of 2508
Top 18.4% in <100M tier
478
Efficiency Ratio
profitability
Value:
65.85%
Peer Median: 81.45%
#478 of 2508
Top 19.0% in <100M tier
Top Weaknesses (10 metrics)
2473
Net Charge-Off Rate
risk
Value:
8.45%
Peer Median: 0.07%
#2473 of 2508
Bottom 1.4% in <100M tier
2279
Total Assets
balance_sheet
Value:
$1.96M
Peer Median: $21.86M
#2279 of 2508
Bottom 9.2% in <100M tier
2274
Members Per Employee (MPE)
engagement
Value:
143.667
Peer Median: 333.750
#2274 of 2508
Bottom 9.4% in <100M tier
2273
Total Deposits
balance_sheet
Value:
$1.53M
Peer Median: $18.77M
#2273 of 2508
Bottom 9.4% in <100M tier
2211
Total Members
engagement
Value:
431
Peer Median: 1,918
#2211 of 2508
Bottom 11.9% in <100M tier
2185
Average Member Relationship (AMR)
engagement
Value:
$6,390
Peer Median: $13,926
#2185 of 2508
Bottom 12.9% in <100M tier
2180
Total Loans
balance_sheet
Value:
$1.23M
Peer Median: $9.48M
#2180 of 2508
Bottom 13.1% in <100M tier
2150
Total Delinquency Rate (60+ days)
risk
Value:
2.50%
Peer Median: 0.65%
#2150 of 2508
Bottom 14.3% in <100M tier
2066
AMR Growth Rate
growth
Value:
-4.81%
Peer Median: 1.27%
#2066 of 2508
Bottom 17.7% in <100M tier
1933
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,844
Peer Median: $4,923
#1933 of 2508
Bottom 23.0% in <100M tier