BlastPoint's Credit Union Scorecard
NASHVILLE POST OFFICE
Charter #67922 · TN
NASHVILLE POST OFFICE has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 2.8% in tier
- + AMR Growth Rate: Top 5.5% in tier
- + Average Member Relationship (AMR): Top 7.0% in tier
- + Total Assets: Top 7.2% in tier
- + Loan Growth Rate: Top 8.0% in tier
- + Total Deposits: Top 8.0% in tier
- + Loan-to-Member Ratio (LMR): Top 9.3% in tier
- + Total Loans: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.40% below tier average
- - Member decline: -4.8% YoY
- - Net Charge-Off Rate: Bottom 5.8% in tier
- - Share Certificate Concentration (%): Bottom 6.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 84 that size in Tennessee.
- Shares and deposits +6.7% year over year ($67.5M in shares and deposits).
- Membership: 4,104 members, -4.8% vs a year ago.
- Delinquency rate 0.76%.
- Return on assets 0.09%.
- Efficiency ratio 72.37% vs a 88.77% peer average.
- Loan-to-share ratio 59.87% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,104
-4.8% YoY+0.6% QoQ
|
+1.5K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$81.3M
+6.0% YoY+0.7% QoQ
|
+$51.1M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Top 7.3% in tier |
| Loans |
$40.4M
+11.9% YoY+3.4% QoQ
|
+$25.0M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Top 9.8% in tier |
| Deposits |
$67.5M
+6.7% YoY+0.6% QoQ
|
+$41.7M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Top 8.0% in tier |
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| ROA |
0.1%
-68.7% YoY-108.1% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Bottom 5.7% in tier |
| NIM |
3.3%
+9.2% YoY+5.3% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
25% |
| Efficiency Ratio |
72.4%
-6.6% YoY-11.0% QoQ
|
-16.4% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
31% |
| Delinquency Rate |
0.8%
-28.5% YoY-5.0% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
59.9%
+4.9% YoY+2.8% QoQ
|
+1.0% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$26,310
+14.1% YoY+1.1% QoQ
|
+$11K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 7.0% in tier |
| CD Concentration |
43.3%
+10.7% YoY+2.1% QoQ
|
+18.7% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)