BlastPoint's Credit Union Scorecard
POST OFFICE CU OF MD, INC.
Charter #95742 · MD
POST OFFICE CU OF MD, INC. has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.27% above tier average
- + Strong member growth: 14.2% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.7% in tier
- + Loan-to-Share Ratio: Top 2.0% in tier
- + Member Growth Rate: Top 2.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.73% below tier average
- - Efficiency ratio 1.06% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,960
+14.2% YoY+6.6% QoQ
|
+344 |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$28.2M
+0.3% YoY+1.7% QoQ
|
$-1.9M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$20.9M
+51.7% YoY+20.9% QoQ
|
+$5.1M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$19.5M
-7.2% YoY-5.2% QoQ
|
$-6.2M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
-0.1%
-83.1% YoY-178.5% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.0% in tier |
| NIM |
4.2%
+57.5% YoY+62.2% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
83.6%
-27.5% YoY+2.6% QoQ
|
+1.1% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
1.2%
-19.5% YoY-27.3% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
107.1%
+63.5% YoY+27.5% QoQ
|
+46.4% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
Top 2.1% in tier |
| AMR |
$13,636
+1.7% YoY+0.1% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration |
19.4%
+5.3% YoY+16.2% QoQ
|
-5.1% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 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)