BlastPoint's Credit Union Scorecard
MIAMI POSTAL SERVICE
Charter #67330 · FL
MIAMI POSTAL SERVICE faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.73% below tier average
- - Efficiency ratio 11.09% above tier (higher cost structure)
- - Member decline: -3.5% YoY
- - Asset Growth Rate: Bottom 2.2% in tier
- - Deposit Growth Rate: Bottom 2.7% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits -5.1% year over year ($165M in shares and deposits).
- Membership: 12,757 members, -3.5% vs a year ago.
- Delinquency rate 0.26%.
- Return on assets 0.14%.
- Efficiency ratio 87.82% vs a 76.73% peer average.
- Loan-to-share ratio 70.91% vs a 71.54% 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 (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,757
-3.5% YoY-0.5% QoQ
|
-2.4K |
15,168
-2.6% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$184.0M
-4.9% YoY-4.6% QoQ
|
$-48.0M |
$232.0M
+0.7% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
45% |
| Loans |
$116.8M
+0.9% YoY+1.7% QoQ
|
$-29.5M |
$146.3M
+0.2% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$164.7M
-5.1% YoY-5.3% QoQ
|
$-36.0M |
$200.7M
+0.2% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
47% |
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| ROA |
0.1%
-173.5% YoY+87.5% QoQ
|
-0.7% |
0.9%
+12.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 5.7% in tier |
| NIM |
3.6%
+7.8% YoY+5.1% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
87.8%
+12.6% YoY+7.9% QoQ
|
+11.1% |
76.7%
-0.8% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
83% |
| Delinquency Rate |
0.3%
-67.7% YoY+41.3% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
16% |
| Loan To Share |
70.9%
+6.4% YoY+7.4% QoQ
|
-0.6% |
71.5%
-0.3% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$22,067
+0.8% YoY-2.0% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration |
29.7%
-17.2% YoY-13.8% QoQ
|
+5.1% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)