BlastPoint's Credit Union Scorecard

MIAMI POSTAL SERVICE

Charter #67330 · FL

100M-500M

1069 CUs in 100M-500M nationally 35 in FL

MIAMI POSTAL SERVICE has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Delinquency Rate (60+ days): Top 9.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 2.18% below tier average
- Efficiency ratio 13.01% above tier (higher cost structure)
- Member decline: -2.6% YoY
- Net Charge-Off Rate: Bottom 0.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	12,949 -2.6% YoY-0.9% QoQ	-2.5K	15,437 -2.9% YoY	72,012 +7.1% YoY	33,374 +5.7% YoY	47%
Assets	$187.6M +2.6% YoY-2.0% QoQ	$-44.3M	$231.9M +1.3% YoY	$1.1B +9.4% YoY	$561.6M +9.7% YoY	47%
Loans	$114.0M -0.9% YoY-2.2% QoQ	$-33.3M	$147.3M -0.1% YoY	$808.5M +10.5% YoY	$397.0M +8.8% YoY	44%
Deposits	$169.0M +3.7% YoY-1.5% QoQ	$-31.9M	$200.8M +0.8% YoY	$948.9M +9.7% YoY	$477.3M +9.7% YoY	49%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-1.4% +38.8% YoY+10.6% QoQ	-2.2%	0.8% +18.2% YoY	0.6% +16.0% YoY	0.7% +15.9% YoY	Bottom 0.9% in tier
NIM	3.5% -1.9% YoY+2.3% QoQ	-0.1%	3.6% +6.7% YoY	3.6% +4.0% YoY	3.8% +5.1% YoY	42%
Efficiency Ratio	90.0% -27.5% YoY+2.3% QoQ	+13.0%	77.0% -3.1% YoY	77.7% -2.7% YoY	79.7% -3.3% YoY	Bottom 9.9% in tier
Delinquency Rate	0.2% -79.2% YoY-68.0% QoQ	-0.7	0.9% +4.2% YoY	0.7% +7.1% YoY	1.3% -2.1% YoY	Top 9.0% in tier
Loan To Share	67.5% -4.4% YoY-0.7% QoQ	-4.7%	72.2% -1.1% YoY	71.1% +0.4% YoY	67.4% -1.7% YoY	37%
AMR	$21,853 +4.5% YoY-0.9% QoQ	$-3K	$24,676 +3.4% YoY	$22,519 +3.6% YoY	$19,687 +2.0% YoY	45%
CD Concentration	36.4% +7.1% YoY-1.0% QoQ	+11.9%	24.4%	24.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#225 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 90.03%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.40% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -2.56%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Membership Headwinds

decline

#294 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.56%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#361 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.56%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -0.86%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.18%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#194 of 240 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $187.57M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -2.56%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -0.86%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.02%

Peer Median: -

#11 of 1069 Top 0.9% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.18%

Peer Median: -

#97 of 1069 Top 9.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1068

Net Charge-Off Rate

risk

Value: 3.32%

Peer Median: -

#1068 of 1069 Bottom 0.2% in 100M-500M tier

1059

Return on Assets (ROA)

profitability

Value: -1.42%

Peer Median: -

#1059 of 1069 Bottom 1.0% in 100M-500M tier

964

Efficiency Ratio

profitability

Value: 90.03%

Peer Median: -

#964 of 1069 Bottom 9.9% in 100M-500M tier

944

Share Certificate Concentration (%)

balance_sheet

Value: 36.35%

Peer Median: -

#944 of 1069 Bottom 11.8% in 100M-500M tier

910

Net Worth Ratio

risk

Value: 9.10%

Peer Median: -

#910 of 1069 Bottom 15.0% in 100M-500M tier

888

Fee Income Per Member

profitability

Value: $105.73

Peer Median: -

#888 of 1069 Bottom 17.0% in 100M-500M tier

827

Member Growth Rate

growth

Value: -2.56%

Peer Median: -

#827 of 1069 Bottom 22.7% in 100M-500M tier