BlastPoint's Credit Union Scorecard

POSTAL FAMILY

Charter #951 · ND

<100M

2508 CUs in <100M nationally 17 in ND

POSTAL FAMILY has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

ND Analysis

How does ND stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.06% above tier average
+ Members Per Employee (MPE): Top 0.1% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 3.17% above tier (higher cost structure)
- Member decline: -2.1% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Members	2,249 -2.1% YoY-1.1% QoQ	-427	2,676 +1.6% YoY	7,403 +0.4% YoY	33,913 +5.7% YoY	57%
Assets	$29.7M +4.1% YoY+0.7% QoQ	$-494K	$30.2M +1.3% YoY	$208.9M +6.8% YoY	$578.3M +9.0% YoY	59%
Loans	$8.9M -15.8% YoY-6.6% QoQ	$-6.4M	$15.3M -2.0% YoY	$139.0M +4.5% YoY	$402.4M +8.7% YoY	48%
Deposits	$26.7M +4.1% YoY+0.8% QoQ	+$870K	$25.8M +0.7% YoY	$173.7M +3.7% YoY	$494.3M +9.1% YoY	61%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -75.1% YoY-66.5% QoQ	+0.1%	0.1% -77.6% YoY	0.9% +42.2% YoY	0.4% -39.2% YoY	30%
NIM	3.3% -15.2% YoY-11.0% QoQ	-0.7%	4.0% +4.0% YoY	3.4% +5.6% YoY	3.8% +4.1% YoY	28%
Efficiency Ratio	93.8% +15.1% YoY+21.9% QoQ	+3.2%	90.6% +6.5% YoY	74.3% -6.4% YoY	84.6% +2.8% YoY	76%
Delinquency Rate	0.1% -89.0% YoY-61.9% QoQ	-1.4	1.5% +3.8% YoY	0.8% -32.8% YoY	1.2% +3.4% YoY	23%
Loan To Share	33.3% -19.1% YoY-7.3% QoQ	-25.2%	58.5% -3.0% YoY	68.7% -2.0% YoY	65.6% -1.4% YoY	Bottom 14.3% in tier
AMR	$15,795 +0.4% YoY-0.1% QoQ	+$911	$14,884 -1.7% YoY	$32,943 +1.9% YoY	$19,920 +1.6% YoY	60%
CD Concentration	17.5% +4.0% YoY+5.2% QoQ	-6.7%	24.3%	22.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	1.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Members Per Employee (MPE)

engagement

Value: 2249.000

Peer Median: 333.750

#4 of 2508 Top 0.1% in <100M tier

576

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Median: 0.65%

#576 of 2508 Top 22.9% in <100M tier

Top Weaknesses (5 metrics)

2245

Loan Growth Rate

growth

Value: -15.81%

Peer Median: -2.36%

#2245 of 2508 Bottom 10.5% in <100M tier

2147

Loan-to-Share Ratio

balance_sheet

Value: 33.28%

Peer Median: 58.72%

#2147 of 2508 Bottom 14.4% in <100M tier

2120

Net Charge-Off Rate

risk

Value: 0.91%

Peer Median: 0.07%

#2120 of 2508 Bottom 15.5% in <100M tier

2005

Net Worth Ratio

risk

Value: 10.41%

Peer Median: 14.28%

#2005 of 2508 Bottom 20.1% in <100M tier

1898

Efficiency Ratio

profitability

Value: 93.80%

Peer Median: 81.45%

#1898 of 2508 Bottom 24.4% in <100M tier