BlastPoint's Credit Union Scorecard
WEST MICHIGAN POSTAL SERVICE
Charter #7910 · MI
WEST MICHIGAN POSTAL SERVICE has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.73% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
808
-0.6% YoY-0.2% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$7.2M
+5.7% YoY+2.3% QoQ
|
$-22.9M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$4.9M
+7.8% YoY+0.4% QoQ
|
$-10.8M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$6.3M
+5.4% YoY+2.6% QoQ
|
$-19.4M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
0.8%
-12.2% YoY-4.1% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
4.7%
-0.0% YoY+1.1% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
79.2%
+3.5% YoY-4.7% QoQ
|
-3.3% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.9%
+63.7% YoY-44.0% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
78.8%
+2.3% YoY-2.1% QoQ
|
+18.2% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$13,868
+7.1% YoY+1.9% QoQ
|
$-914 |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
39.4%
+3.2% YoY-2.5% QoQ
|
+14.9% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 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)