MIAMI POSTAL SERVICE
Charter #67330 | FL
100M-500M
(1077 CUs)
Micro
($0-$500M)
35 100M-500M in FL
MIAMI POSTAL SERVICE has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 24.6% in tier
- + Relationship Depth Leader: Top 31.8% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 17.9% in tier
- - Efficiency Drag: Bottom 19.8% in tier
- - Stagnation Risk: Bottom 31.1% in tier
- - ROA 2.07% below tier average
- - Efficiency ratio 10.72% above tier (higher cost structure)
- - Member decline: -2.3% YoY
- - Net Charge-Off Rate: Bottom 0.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,063
-2.3% YoY-1.2% QoQ
|
-2.6K |
15,628
-3.4% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
47th in tier |
| Assets |
$191.3M
-1.3% YoY-1.2% QoQ
|
$-40.0M |
$231.3M
-0.0% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
49th in tier |
| Loans |
$116.6M
+1.4% YoY+0.7% QoQ
|
$-31.2M |
$147.8M
-1.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
45th in tier |
| Deposits |
$171.6M
+0.5% YoY-1.2% QoQ
|
$-28.7M |
$200.3M
-0.0% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
50th in tier |
| ROA |
-1.3%
-816.9% YoY+581.1% QoQ
|
-2.1% |
0.8%
+15.5% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.5% in tier |
| NIM |
3.4%
-0.1% YoY+2.4% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
39th in tier |
| Efficiency Ratio |
88.0%
-2.9% YoY+12.9% QoQ
|
+10.7% |
77.3%
-3.0% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
Top 14.6% in tier |
| Delinquency Rate |
0.6%
-16.7% YoY-30.5% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
42nd in tier |
| Loan To Share |
67.9%
+1.0% YoY+2.0% QoQ
|
-4.8% |
72.7%
-1.5% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
37th in tier |
| AMR |
$22,058
+3.3% YoY+0.8% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
48th in tier |
| CD Concentration |
36.7%
+6.4% YoY+2.3% QoQ
|
+12.3% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growth
#679 of 1006 • Top 24.6% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
3.25%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#876 of 1006 • Top 31.8% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
3.25%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$1.9K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (3)
Membership Headwinds
decline
#296 of 550 • Bottom 17.9% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-2.31%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Efficiency Drag
risk
#351 of 521 • Bottom 19.8% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
88.00%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
-1.46% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-2.31%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank improving
Stagnation Risk
risk
#513 of 550 • Bottom 31.1% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
-1.28%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-2.31%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$22.1K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
36.72%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 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)
Top Strengths (2 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
11
First Mortgage Concentration (%)
balance_sheet
Value:
0.02%
Peer Avg: 30.43%
#11 of 1077
Top 0.9% in 100M-500M tier
Top Weaknesses (9 metrics)
1074
Net Charge-Off Rate
risk
Value:
3.20%
Peer Avg: 0.47%
#1074 of 1077
Bottom 0.4% in 100M-500M tier
1072
Return on Assets (ROA)
profitability
Value:
-1.28%
Peer Avg: 0.79%
#1072 of 1077
Bottom 0.6% in 100M-500M tier
953
Share Certificate Concentration (%)
balance_sheet
Value:
36.72%
Peer Avg: 23.61%
#953 of 1077
Bottom 11.6% in 100M-500M tier
936
Asset Growth Rate
growth
Value:
-1.25%
Peer Avg: 4.70%
#936 of 1077
Bottom 13.2% in 100M-500M tier
921
Efficiency Ratio
profitability
Value:
88.00%
Peer Avg: 77.28%
#921 of 1077
Bottom 14.6% in 100M-500M tier
876
Net Worth Ratio
risk
Value:
9.36%
Peer Avg: 12.15%
#876 of 1077
Bottom 18.8% in 100M-500M tier
846
Fee Income Per Member
profitability
Value:
$113.26
Peer Avg: $174.31
#846 of 1077
Bottom 21.5% in 100M-500M tier
839
Deposit Growth Rate
growth
Value:
0.48%
Peer Avg: 4.69%
#839 of 1077
Bottom 22.2% in 100M-500M tier
827
Member Growth Rate
growth
Value:
-2.31%
Peer Avg: 0.72%
#827 of 1077
Bottom 23.3% in 100M-500M tier