BlastPoint's Credit Union Scorecard
SPRINGFIELD POSTAL EMPLOYEES
Charter #7022 · OH
SPRINGFIELD POSTAL EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.61% above tier average
- + Efficiency Ratio: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 7.77% below tier average
- - Delinquency rate 1.60% above tier average
- - Member decline: -2.9% YoY
- - AMR Growth Rate: Bottom 0.1% in tier
- - Net Charge-Off Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
Core Metrics
As of 2024-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
544
-2.9% YoY+2.6% QoQ
|
-2.1K |
2,682
-0.4% YoY
|
15,625
+4.5% YoY
|
30,744
+5.8% YoY
|
16% |
| Assets |
$3.7M
-19.8% YoY-10.9% QoQ
|
$-25.8M |
$29.5M
-0.3% YoY
|
$223.2M
+5.2% YoY
|
$501.0M
+7.0% YoY
|
16% |
| Loans |
$2.5M
-6.6% YoY+4.0% QoQ
|
$-13.6M |
$16.1M
+1.5% YoY
|
$155.1M
+4.7% YoY
|
$352.6M
+7.1% YoY
|
20% |
| Deposits |
$3.2M
-14.2% YoY-0.7% QoQ
|
$-22.2M |
$25.4M
-1.4% YoY
|
$188.7M
+5.0% YoY
|
$420.3M
+6.1% YoY
|
17% |
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| ROA |
-8.0%
+3792.8% YoY+276.9% QoQ
|
-7.8% |
-0.2%
-142.4% YoY
|
0.5%
-12.9% YoY
|
0.1%
-82.7% YoY
|
Bottom 0.7% in tier |
| NIM |
4.3%
+50.9% YoY+28.5% QoQ
|
+0.6% |
3.7%
+12.1% YoY
|
3.6%
+11.4% YoY
|
3.5%
+9.9% YoY
|
73% |
| Efficiency Ratio | - | - |
169.8%
+98.1% YoY
|
80.8%
-2.2% YoY
|
134.4%
+62.7% YoY
|
- |
| Delinquency Rate |
3.0%
+315.1% QoQ
|
+1.6 |
1.4%
+11.0% YoY
|
1.0%
+29.0% YoY
|
1.2%
+14.3% YoY
|
Bottom 11.4% in tier |
| Loan To Share |
79.1%
+8.9% YoY+4.8% QoQ
|
+16.1% |
62.9%
+4.5% YoY
|
65.5%
+3.6% YoY
|
68.9%
+3.4% YoY
|
72% |
| AMR |
$10,467
-8.4% YoY-1.3% QoQ
|
$-5K |
$15,558
+8.0% YoY
|
$16,121
+2.2% YoY
|
$19,473
+5.2% YoY
|
31% |
| CD Concentration | 0.0% | - | - | - | - | 50% |
| Indirect Auto % | 0.0% | - | - | - | - | 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)