BlastPoint's Credit Union Scorecard

AMARILLO POSTAL EMPLOYEES

Charter #67639 · TX

<100M

2508 CUs in <100M nationally 237 in TX

AMARILLO POSTAL EMPLOYEES has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Loan Growth Rate: Top 8.7% in tier

Key Concerns

Areas that may need attention

- ROA 0.28% below tier average
- Efficiency ratio 10.68% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	1,833 -0.9% YoY-0.3% QoQ	-843	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	48%
Assets	$19.6M +2.5% YoY+3.1% QoQ	$-10.5M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	47%
Loans	$7.9M +11.2% YoY+7.2% QoQ	$-7.4M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	45%
Deposits	$16.9M +4.0% YoY+2.7% QoQ	$-8.9M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.1% -175.4% YoY-183.4% QoQ	-0.3%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	19%
NIM	3.0% -7.1% YoY-5.8% QoQ	-1.0%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	18%
Efficiency Ratio	101.3% +10.1% YoY+11.1% QoQ	+10.7%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Bottom 14.6% in tier
Delinquency Rate	0.0% -95.9% YoY	-1.5	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	16%
Loan To Share	46.9% +6.9% YoY+4.4% QoQ	-11.6%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	32%
AMR	$13,539 +7.1% YoY+4.4% QoQ	$-1K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	48%
CD Concentration	33.8% +3.5% YoY-1.7% QoQ	+9.6%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

219

Loan Growth Rate

growth

Value: 11.18%

Peer Median: -2.36%

#219 of 2508 Top 8.7% in <100M tier

391

Total Delinquency Rate (60+ days)

risk

Value: 0.03%

Peer Median: 0.65%

#391 of 2508 Top 15.6% in <100M tier

416

AMR Growth Rate

growth

Value: 7.11%

Peer Median: 1.27%

#416 of 2508 Top 16.5% in <100M tier

486

Members Per Employee (MPE)

engagement

Value: 458.250

Peer Median: 333.750

#486 of 2508 Top 19.3% in <100M tier

Top Weaknesses (4 metrics)

2193

Share Certificate Concentration (%)

balance_sheet

Value: 33.85%

Peer Median: 12.45%

#2193 of 2508 Bottom 12.6% in <100M tier

2143

Efficiency Ratio

profitability

Value: 101.31%

Peer Median: 81.45%

#2143 of 2508 Bottom 14.6% in <100M tier

2050

Net Interest Margin (NIM)

profitability

Value: 2.98%

Peer Median: 3.83%

#2050 of 2508 Bottom 18.3% in <100M tier

2041

Return on Assets (ROA)

profitability

Value: -0.13%

Peer Median: 0.61%

#2041 of 2508 Bottom 18.7% in <100M tier