BlastPoint's Credit Union Scorecard
POSTAL FAMILY
Charter #951 · ND
POSTAL FAMILY demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,273
-1.3% YoY+0.6% QoQ
|
-342 |
2,615
-1.9% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$29.5M
+6.1% YoY-1.3% QoQ
|
$-669K |
$30.1M
+2.1% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$9.5M
-13.4% YoY-4.3% QoQ
|
$-6.3M |
$15.8M
-1.3% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$26.4M
+6.1% YoY-1.2% QoQ
|
+$744K |
$25.7M
+1.4% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
61% |
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| ROA |
0.6%
+38.0% YoY-26.4% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
47% |
| NIM |
3.7%
+1.4% YoY-0.7% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
76.9%
-10.1% YoY+2.8% QoQ
|
-5.6% |
82.6%
-2.3% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.3%
-68.7% YoY-75.1% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
35.9%
-18.4% YoY-3.1% QoQ
|
-24.7% |
60.6%
-3.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
15% |
| AMR |
$15,805
+1.4% YoY-2.7% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
16.7%
+10.8% YoY+4.1% QoQ
|
-7.8% | 24.4% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 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)