BlastPoint's Credit Union Scorecard

MIAMI POSTAL SERVICE

Charter #67330 · FL

100M-500M

1070 CUs in 100M-500M nationally 36 in FL

MIAMI POSTAL SERVICE faces 7 concerns requiring attention

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

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
- Institutional Decline: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.65% below tier average
- Efficiency ratio 3.37% above tier (higher cost structure)
- Member decline: -3.2% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	12,825 -3.2% YoY-1.0% QoQ	-2.3K	15,145 -2.5% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	48%
Assets	$192.9M +0.2% YoY+2.9% QoQ	$-38.8M	$231.7M +0.8% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	49%
Loans	$114.9M -0.5% YoY+0.7% QoQ	$-29.3M	$144.1M +0.2% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	46%
Deposits	$174.0M +0.8% YoY+3.0% QoQ	$-27.1M	$201.1M +0.4% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	51%

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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	0.1% -105.0% YoY-105.2% QoQ	-0.7%	0.7% +5.1% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	Bottom 10.9% in tier
NIM	3.4% +1.2% YoY-2.1% QoQ	-0.2%	3.6% +4.6% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	37%
Efficiency Ratio	81.4% -22.4% YoY-9.6% QoQ	+3.4%	78.0% -1.7% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	60%
Delinquency Rate	0.2% -69.8% YoY+2.7% QoQ	-0.6	0.8% +7.1% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	Top 12.2% in tier
Loan To Share	66.0% -1.3% YoY-2.2% QoQ	-4.4%	70.4% -0.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	38%
AMR	$22,521 +3.6% YoY+3.1% QoQ	$-2K	$24,918 +2.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	47%
CD Concentration	34.5% -2.0% YoY-5.2% QoQ	+10.2%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Membership Headwinds

decline

#243 of 570 • 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): -3.23%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#331 of 570 • 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): -3.23%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.53%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.18%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#193 of 250 • 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: $192.92M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -3.23%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.53%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Efficiency Drag

risk

#579 of 596 • 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: 81.40%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 1.56% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -3.23%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.02%

Peer Median: 29.47%

#12 of 1070 Top 1.0% in 100M-500M tier

132

Total Delinquency Rate (60+ days)

risk

Value: 0.18%

Peer Median: 0.61%

#132 of 1070 Top 12.2% in 100M-500M tier

Top Weaknesses (7 metrics)

953

Return on Assets (ROA)

profitability

Value: 0.07%

Peer Median: 0.69%

#953 of 1070 Bottom 11.0% in 100M-500M tier

953

Net Charge-Off Rate

risk

Value: 1.05%

Peer Median: 0.35%

#953 of 1070 Bottom 11.0% in 100M-500M tier

940

Net Worth Ratio

risk

Value: 8.86%

Peer Median: 11.45%

#940 of 1070 Bottom 12.2% in 100M-500M tier

897

Share Certificate Concentration (%)

balance_sheet

Value: 34.45%

Peer Median: 23.10%

#897 of 1070 Bottom 16.3% in 100M-500M tier

867

Member Growth Rate

growth

Value: -3.23%

Peer Median: -0.06%

#867 of 1070 Bottom 19.1% in 100M-500M tier

864

Asset Growth Rate

growth

Value: 0.19%

Peer Median: 3.91%

#864 of 1070 Bottom 19.3% in 100M-500M tier

814

Members Per Employee (MPE)

engagement

Value: 261.735

Peer Median: 309.176

#814 of 1070 Bottom 24.0% in 100M-500M tier