BlastPoint's Credit Union Scorecard
NEWARK POST OFFICE EMPLOYEES
Charter #66159 · NJ
NEWARK POST OFFICE EMPLOYEES has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.26% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.8% in tier
- + Net Worth Ratio: Top 4.4% in tier
Key Concerns
Areas that may need attention
- - ROA 2.24% below tier average
- - Efficiency ratio 55.95% above tier (higher cost structure)
- - Delinquency rate 0.38% above tier average
- - Average Member Relationship (AMR): Bottom 3.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.1% in tier
- - Total Loans: Bottom 8.0% in tier
- - Members Per Employee (MPE): Bottom 8.8% in tier
- - Total Deposits: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
944
+0.3% YoY+0.7% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$2.2M
-3.8% YoY-3.5% QoQ
|
$-28.0M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.3% in tier |
| Loans |
$563,818
-6.6% YoY+1.1% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.0% in tier |
| Deposits |
$1.5M
-3.1% YoY-5.1% QoQ
|
$-24.2M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-1.6%
-70.0% YoY-21.6% QoQ
|
-2.2% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.8% in tier |
| NIM |
4.2%
+3.8% YoY+3.5% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
138.5%
-18.9% YoY-7.5% QoQ
|
+56.0% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 2.4% in tier |
| Delinquency Rate |
1.9%
+189.0% YoY+316.9% QoQ
|
+0.4 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
38.5%
-3.6% YoY+6.5% QoQ
|
-22.2% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$2,150
-4.4% YoY-4.2% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.0% in tier |
| CD Concentration |
2.5%
+2.1% YoY+5.4% QoQ
|
-22.0% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)