POSTAL FAMILY
Charter #951 | ND
<100M
(2596 CUs)
Micro
($0-$500M)
17 <100M in ND
POSTAL FAMILY has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 5.7% in tier
- + Asset Growth Rate: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.1% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,259
-2.1% YoY-0.5% QoQ
|
-366 |
2,625
-2.2% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
56th in tier |
| Assets |
$29.9M
+11.5% YoY+2.0% QoQ
|
+$710 |
$29.9M
+1.1% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
60th in tier |
| Loans |
$9.9M
-6.2% YoY-6.4% QoQ
|
$-5.9M |
$15.8M
-2.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
51st in tier |
| Deposits |
$26.8M
+12.3% YoY+1.9% QoQ
|
+$1.3M |
$25.5M
+0.4% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
61st in tier |
| ROA |
0.9%
-16.4% YoY+12.0% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
55th in tier |
| NIM |
3.7%
-2.7% YoY-1.3% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
43rd in tier |
| Efficiency Ratio |
74.9%
-3.6% YoY-6.2% QoQ
|
-6.5% |
81.4%
-2.4% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
42nd in tier |
| Delinquency Rate |
1.2%
+11.9% YoY+35.2% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
66th in tier |
| Loan To Share |
37.1%
-16.5% YoY-8.1% QoQ
|
-24.2% |
61.2%
-3.0% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 16.1% in tier |
| AMR |
$16,238
+8.9% YoY+0.0% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
64th in tier |
| CD Concentration |
16.0%
+27.6% YoY-6.7% QoQ
|
-8.4% |
24.4%
+4.2% YoY
|
22.4%
+2.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
1.1%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
148
Deposit Growth Rate
growth
Value:
12.30%
Peer Avg: 16.80%
#148 of 2596
Top 5.7% in <100M tier
157
Asset Growth Rate
growth
Value:
11.53%
Peer Avg: 1.82%
#157 of 2596
Top 6.0% in <100M tier
302
AMR Growth Rate
growth
Value:
8.88%
Peer Avg: 4.67%
#302 of 2596
Top 11.6% in <100M tier
Top Weaknesses (2 metrics)
2175
Loan-to-Share Ratio
balance_sheet
Value:
37.06%
Peer Avg: 61.23%
#2175 of 2596
Bottom 16.3% in <100M tier
2082
Net Worth Ratio
risk
Value:
10.40%
Peer Avg: 16.43%
#2082 of 2596
Bottom 19.8% in <100M tier