BlastPoint's Credit Union Scorecard
NEWARK POST OFFICE EMPLOYEES
Charter #66159 · NJ
NEWARK POST OFFICE EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 0.3% in tier
- + Net Worth Ratio: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - ROA 4.59% below tier average
- - Efficiency ratio 101.90% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 3.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.9% in tier
- - Asset Growth Rate: Bottom 7.6% in tier
- - Total Loans: Bottom 8.0% in tier
- - AMR Growth Rate: Bottom 8.1% in tier
- - Total Deposits: Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
942
+0.6% YoY-0.2% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
27% |
| Assets |
$2.2M
-8.0% YoY-1.8% QoQ
|
$-28.0M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.0% in tier |
| Loans |
$514,733
-10.7% YoY-8.7% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.0% in tier |
| Deposits |
$1.5M
-8.0% YoY-1.0% QoQ
|
$-24.3M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.8% 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 |
-4.4%
+559.2% YoY+173.8% QoQ
|
-4.6% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.9% in tier |
| NIM |
3.7%
-8.5% YoY-11.5% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
45% |
| Efficiency Ratio |
192.5%
+55.6% YoY+39.0% QoQ
|
+101.9% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.9% in tier |
| Delinquency Rate |
1.0%
+117.1% YoY-46.7% QoQ
|
-0.5 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
65% |
| Loan To Share |
35.5%
-2.9% YoY-7.8% QoQ
|
-23.0% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
17% |
| AMR |
$2,087
-9.3% YoY-2.9% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.0% in tier |
| CD Concentration |
3.9%
+68.4% YoY+59.8% QoQ
|
-20.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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)