SAVANNAH POSTAL
Charter #67364 | GA
<100M
(2596 CUs)
Micro
($0-$500M)
43 <100M in GA
SAVANNAH POSTAL has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.62% above tier average
- + Net Interest Margin 1.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.99% above tier average
- - Net Charge-Off Rate: Bottom 5.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,083
+0.4% YoY0% QoQ
|
-542 |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
52nd in tier |
| Assets |
$23.9M
-2.2% YoY-1.5% QoQ
|
$-5.9M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
53rd in tier |
| Loans |
$13.1M
+7.6% YoY-0.7% QoQ
|
$-2.7M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
58th in tier |
| Deposits |
$19.9M
-3.9% YoY-1.7% QoQ
|
$-5.6M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
52nd in tier |
| ROA |
1.3%
-8.8% YoY-8.1% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
74th in tier |
| NIM |
5.3%
+8.8% YoY+2.4% QoQ
|
+1.4% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Top 9.2% in tier |
| Efficiency Ratio |
73.7%
+9.0% YoY+3.8% QoQ
|
-7.7% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
39th in tier |
| Delinquency Rate |
4.5%
+11.6% YoY-23.0% QoQ
|
+3.0 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Top 7.0% in tier |
| Loan To Share |
65.7%
+12.0% YoY+1.1% QoQ
|
+4.5% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
56th in tier |
| AMR |
$15,797
-0.1% YoY-1.3% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
62nd in tier |
| CD Concentration |
7.6%
+0.2% YoY+0.9% QoQ
|
-16.8% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
240
Net Interest Margin (NIM)
profitability
Value:
5.34%
Peer Avg: 3.93%
#240 of 2596
Top 9.2% in <100M tier
260
Fee Income Per Member
profitability
Value:
$170.57
Peer Avg: $182.96
#260 of 2596
Top 10.0% in <100M tier
380
Loan Growth Rate
growth
Value:
7.64%
Peer Avg: 59.01%
#380 of 2596
Top 14.6% in <100M tier
Top Weaknesses (3 metrics)
2461
Net Charge-Off Rate
risk
Value:
2.17%
Peer Avg: 0.57%
#2461 of 2596
Bottom 5.2% in <100M tier
2414
Total Delinquency Rate (60+ days)
risk
Value:
4.50%
Peer Avg: 1.51%
#2414 of 2596
Bottom 7.0% in <100M tier
2033
Deposit Growth Rate
growth
Value:
-3.93%
Peer Avg: 16.80%
#2033 of 2596
Bottom 21.7% in <100M tier