BlastPoint's Credit Union Scorecard
POSTCITY FINANCIAL
Charter #86063 · CA
POSTCITY FINANCIAL has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 8.2% in tier
- + Total Assets: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Efficiency ratio 7.62% above tier (higher cost structure)
- - Member decline: -4.0% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,605
-4.0% YoY-0.6% QoQ
|
+2.0K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$77.1M
-1.8% YoY-0.7% QoQ
|
+$47.0M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 8.9% in tier |
| Loans |
$34.9M
+9.7% YoY+4.0% QoQ
|
+$19.2M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 14.0% in tier |
| Deposits |
$67.3M
-2.7% YoY-1.0% QoQ
|
+$41.6M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 8.2% in tier |
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| ROA |
0.2%
-37.8% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
3.5%
+25.1% YoY-0.5% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
90.2%
-3.9% YoY+4.1% QoQ
|
+7.6% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.2%
-77.1% YoY-80.5% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
51.9%
+12.7% YoY+5.0% QoQ
|
-8.7% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$22,205
+5.4% YoY+1.3% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 13.9% in tier |
| CD Concentration |
14.0%
+1.5% YoY+6.9% QoQ
|
-10.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 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)