BlastPoint's Credit Union Scorecard
POSTAL FAMILY
Charter #951 · ND
POSTAL FAMILY faces 2 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.80% below tier average
- - Loan Growth Rate: Bottom 7.2% 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 17 that size in North Dakota.
- Shares and deposits +3.1% year over year ($27.1M in shares and deposits).
- Membership: 2,229 members, -1.8% vs a year ago.
- Delinquency rate 0.19%.
- Return on assets 0.69%.
- Efficiency ratio 82.42% vs a 88.77% peer average.
- Loan-to-share ratio 31.59% 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 (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,229
-1.8% YoY-0.9% QoQ
|
-356 |
2,585
-1.7% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$30.2M
+3.3% YoY+1.8% QoQ
|
$-61K |
$30.3M
+1.5% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$8.5M
-19.3% YoY-3.6% QoQ
|
$-6.9M |
$15.5M
-1.7% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$27.1M
+3.1% YoY+1.6% QoQ
|
+$1.3M |
$25.8M
+1.1% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
61% |
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| ROA |
0.7%
-9.7% YoY+227.2% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
43% |
| NIM |
3.6%
-4.6% YoY+9.3% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
38% |
| Efficiency Ratio |
82.4%
+3.2% YoY-12.1% QoQ
|
-6.3% |
88.8%
-6.9% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
54% |
| Delinquency Rate |
0.2%
-78.7% YoY+65.8% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
26% |
| Loan To Share |
31.6%
-21.7% YoY-5.1% QoQ
|
-27.3% |
58.9%
-3.1% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
Bottom 12.7% in tier |
| AMR |
$15,978
-1.6% YoY+1.2% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
60% |
| CD Concentration |
20.0%
+16.8% YoY+14.2% QoQ
|
-4.5% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.2% | 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)