BlastPoint's Credit Union Scorecard
POSTAL FAMILY
Charter #951 · ND
POSTAL FAMILY shows stable performance across key metrics
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
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)