BlastPoint's Credit Union Scorecard
ATLANTA POSTAL
Charter #67389 · GA
ATLANTA POSTAL has 4 strengths but faces 7 concerns
How does the industry compare?
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 4.2% in tier
- + Organic Growth Engine: Top 4.2% in tier
- + Strong member growth: 14.3% YoY
- + Member Growth Rate: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.2% in tier
- - Credit Risk Growth: Bottom 28.9% in tier
- - Liquidity Strain: Bottom 38.1% in tier
- - Shrinking Wallet Share: Bottom 96.8% in tier
- - ROA 0.17% below tier average
- - Delinquency rate 0.18% above tier average
- - AMR Growth Rate: Bottom 3.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
125,381
+14.3% YoY+1.9% QoQ
|
+29.3K |
96,048
-2.7% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
78% |
| Assets |
$2.5B
+4.3% YoY-0.4% QoQ
|
+$793.4M |
$1.7B
+0.4% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
Top 14.7% in tier |
| Loans |
$1.9B
+9.0% YoY-0.1% QoQ
|
+$703.4M |
$1.2B
+0.2% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Top 10.5% in tier |
| Deposits |
$2.1B
+3.3% YoY-0.8% QoQ
|
+$662.2M |
$1.5B
+0.5% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
Top 14.7% in tier |
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| ROA |
0.6%
+911.9% YoY-765.9% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
39% |
| NIM |
3.0%
+32.7% YoY+18.3% QoQ
|
-0.3% |
3.4%
+6.2% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
71.1%
-15.5% YoY-3.2% QoQ
|
-3.6% |
74.6%
-3.0% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
35% |
| Delinquency Rate |
0.9%
+65.4% YoY-8.1% QoQ
|
+0.2 |
0.8%
+6.9% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
76% |
| Loan To Share |
90.1%
+5.5% YoY+0.7% QoQ
|
+6.9% |
83.2%
-0.4% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
66% |
| AMR |
$32,261
-7.3% YoY-2.3% QoQ
|
+$3K |
$29,652
+2.3% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
71% |
| CD Concentration |
37.9%
-11.0% YoY-1.1% QoQ
|
+9.1% | 28.8% | 20.0% | 19.8% | Top 14.1% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 4.3% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)