BlastPoint's Credit Union Scorecard
SAVANNAH POSTAL
Charter #67364 · GA
SAVANNAH POSTAL has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.49% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Delinquency rate 2.32% above tier average
- - Net Charge-Off Rate: Bottom 5.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,020
-1.2% YoY-3.0% QoQ
|
-595 |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
51% |
| Assets |
$23.3M
-4.0% YoY-2.5% QoQ
|
$-6.8M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$13.1M
+6.5% YoY+0.7% QoQ
|
$-2.6M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$19.5M
-4.9% YoY-2.0% QoQ
|
$-6.2M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.5%
-67.1% YoY-65.3% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
5.4%
+8.4% YoY+2.0% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
Top 7.9% in tier |
| Efficiency Ratio |
72.2%
+4.5% YoY-2.0% QoQ
|
-10.4% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
3.9%
-24.4% YoY-13.8% QoQ
|
+2.3 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
Top 9.2% in tier |
| Loan To Share |
67.6%
+12.1% YoY+2.8% QoQ
|
+6.9% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$16,136
+0.6% YoY+2.1% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
7.8%
+10.4% YoY+2.2% QoQ
|
-16.6% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 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)