ATLANTA POSTAL

Charter #67389 | GA

1B-3B (304 CUs) Mid-Market (380 CUs)
5 1B-3B in GA

ATLANTA POSTAL has 6 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 2.8% in tier
  • + Strong member growth: 10.7% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Member Growth Rate: Top 4.6% in tier
  • + Loan Growth Rate: Top 5.6% in tier
  • + Total Loans: Top 8.6% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 1.4% in tier
  • - Credit Quality Pressure: Bottom 7.7% in tier
  • - Liquidity Overhang: Bottom 23.0% in tier
  • - ROA 0.96% below tier average
  • - Efficiency ratio 1.01% above tier (higher cost structure)
  • - Net Interest Margin (NIM): Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 119,414
+10.7% YoY+5.8% QoQ
 +20.7K 98,678
-1.9% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 72nd in tier
Assets $2.6B
+7.3% YoY+3.6% QoQ
 +$835.2M $1.7B
+0.5% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 Top 12.8% in tier
Loans $2.0B
+16.5% YoY+7.5% QoQ
 +$721.5M $1.2B
+0.5% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 Top 8.9% in tier
Deposits $2.2B
+5.3% YoY+4.2% QoQ
 +$726.3M $1.5B
+1.3% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 Top 11.5% in tier
ROA -0.3%
-49.5% YoY+16.1% QoQ
 -1.0% 0.7%
+13.4% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 Bottom 1.0% in tier
NIM 2.5%
+52.1% YoY+4.7% QoQ
 -0.8% 3.3%
+9.3% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 Bottom 9.2% in tier
Efficiency Ratio 75.0%
-30.1% YoY-4.4% QoQ
 +1.0% 74.0%
-10.9% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 52nd in tier
Delinquency Rate 0.8%
+41.2% YoY+5.0% QoQ
 -0.0 0.8%
+6.1% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 63rd in tier
Loan To Share 89.6%
+10.6% YoY+3.2% QoQ
 +4.4% 85.2%
-0.8% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 54th in tier
AMR $34,629
-0.4% YoY-0.1% QoQ
 +$5K $29,172
+2.8% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 Top 16.8% in tier
CD Concentration 38.6%
-12.6% YoY-4.9% QoQ
 +9.6% 29.0%
+0.8% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 Top 15.0% in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (1)

Organic Growth Leader

growth
#12 of 138 • Top 2.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 10.74%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Concerns (3)

Growth-at-Risk

risk
#9 of 161 • Bottom 1.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 16.45%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.24% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk
#60 of 217 • Bottom 7.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.24% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | New qualifier

Liquidity Overhang

risk
#75 of 113 • Bottom 23.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.80%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 89.63%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 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)

Comparing against 304 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
15
Member Growth Rate
growth
Value: 10.74%
Peer Avg: 2.20%
#15 of 304 Top 4.6% in 1B-3B tier
18
Loan Growth Rate
growth
Value: 16.45%
Peer Avg: 5.27%
#18 of 304 Top 5.6% in 1B-3B tier
27
Total Loans
balance_sheet
Value: $1.95B
Peer Avg: $1.23B
#27 of 304 Top 8.6% in 1B-3B tier
35
Total Deposits
balance_sheet
Value: $2.18B
Peer Avg: $1.45B
#35 of 304 Top 11.2% in 1B-3B tier
39
Total Assets
balance_sheet
Value: $2.55B
Peer Avg: $1.72B
#39 of 304 Top 12.5% in 1B-3B tier
46
Loan-to-Member Ratio (LMR)
engagement
Value: $16,368
Peer Avg: $13,213
#46 of 304 Top 14.8% in 1B-3B tier
51
Average Member Relationship (AMR)
engagement
Value: $34,629
Peer Avg: $29,172
#51 of 304 Top 16.4% in 1B-3B tier
63
Net Worth Ratio
risk
Value: 12.80%
Peer Avg: 11.44%
#63 of 304 Top 20.4% in 1B-3B tier

Top Weaknesses (5 metrics)

301
Return on Assets (ROA)
profitability
Value: -0.26%
Peer Avg: 0.70%
#301 of 304 Bottom 1.3% in 1B-3B tier
276
Net Interest Margin (NIM)
profitability
Value: 2.47%
Peer Avg: 3.26%
#276 of 304 Bottom 9.5% in 1B-3B tier
267
Share Certificate Concentration (%)
balance_sheet
Value: 38.56%
Peer Avg: 28.53%
#267 of 304 Bottom 12.5% in 1B-3B tier
254
Net Charge-Off Rate
risk
Value: 0.97%
Peer Avg: 0.60%
#254 of 304 Bottom 16.8% in 1B-3B tier
234
AMR Growth Rate
growth
Value: -0.39%
Peer Avg: 3.29%
#234 of 304 Bottom 23.4% in 1B-3B tier