BlastPoint's Credit Union Scorecard
NEWARK POST OFFICE EMPLOYEES
Charter #66159 · NJ
NEWARK POST OFFICE EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.12% above tier average
- + Net Charge-Off Rate: Top 0.3% in tier
- + Net Worth Ratio: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 112.73% above tier (higher cost structure)
- - Delinquency rate 0.14% above tier average
- - Average Member Relationship (AMR): Bottom 2.3% in tier
- - Asset Growth Rate: Bottom 3.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.5% in tier
- - Deposit Growth Rate: Bottom 3.6% in tier
- - AMR Growth Rate: Bottom 4.7% in tier
- - Total Loans: Bottom 7.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits -14.0% year over year ($1.3M in shares and deposits).
- Membership: 947 members, +1.1% vs a year ago.
- Delinquency rate 1.69%.
- Return on assets 4.61%.
- Efficiency ratio 201.50% vs a 88.77% peer average.
- Loan-to-share ratio 36.80% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
947
+1.1% YoY+0.5% QoQ
|
-1.6K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
27% |
| Assets |
$2.0M
-13.1% YoY-6.3% QoQ
|
$-28.3M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.3% in tier |
| Loans |
$493,659
-8.4% YoY-4.1% QoQ
|
$-15.0M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.5% in tier |
| Deposits |
$1.3M
-14.0% YoY-7.6% QoQ
|
$-24.5M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.2% 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 |
4.6%
-665.3% YoY-203.8% QoQ
|
+3.1% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Top 1.8% in tier |
| NIM |
3.8%
-3.0% YoY+3.1% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
48% |
| Efficiency Ratio |
201.5%
+73.9% YoY+4.7% QoQ
|
+112.7% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.4% in tier |
| Delinquency Rate |
1.7%
+251.8% YoY+63.8% QoQ
|
+0.1 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
36.8%
+6.6% YoY+3.8% QoQ
|
-22.1% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
18% |
| AMR |
$1,938
-13.5% YoY-7.2% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.3% in tier |
| CD Concentration |
5.5%
+150.2% YoY+38.8% QoQ
|
-19.1% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 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)