BlastPoint's Credit Union Scorecard
ATLANTA POSTAL
Charter #67389 · GA
ATLANTA POSTAL has 4 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does GA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 8.5% in tier
- + Strong member growth: 13.3% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9.2% in tier
- - Shrinking Wallet Share: Bottom 24.4% in tier
- - Credit Quality Pressure: Bottom 28.6% in tier
- - Wealth Migration Risk: Bottom 66.7% in tier
- - ROA 0.77% below tier average
- - Delinquency rate 0.12% above tier average
- - AMR Growth Rate: Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
123,067
+13.3% YoY+3.1% QoQ
|
+25.6K |
97,431
-2.4% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$2.5B
+5.8% YoY-1.3% QoQ
|
+$799.4M |
$1.7B
+0.9% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Top 14.2% in tier |
| Loans |
$1.9B
+10.3% YoY-1.8% QoQ
|
+$684.2M |
$1.2B
+0.5% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
Top 11.6% in tier |
| Deposits |
$2.1B
+5.1% YoY-1.7% QoQ
|
+$685.2M |
$1.5B
+0.9% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
Top 13.6% in tier |
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| ROA |
-0.1%
-76.3% YoY-68.3% QoQ
|
-0.8% |
0.7%
+20.9% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.3% in tier |
| NIM |
2.5%
+44.7% YoY+2.7% QoQ
|
-0.7% |
3.3%
+9.2% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.9% in tier |
| Efficiency Ratio |
73.4%
-26.5% YoY-2.1% QoQ
|
-0.6% |
74.1%
-9.5% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
1.0%
+34.1% YoY+25.5% QoQ
|
+0.1 |
0.9%
+6.2% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
89.5%
+4.9% YoY-0.2% QoQ
|
+4.7% |
84.8%
-0.8% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$33,016
-5.1% YoY-4.7% QoQ
|
+$4K |
$29,428
+2.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
38.3%
-11.9% YoY-0.6% QoQ
|
+9.3% | 29.0% | 20.5% | 19.8% | 84% |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 4.4% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
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)