BlastPoint's Credit Union Scorecard
POST OFFICE CU OF MD, INC.
Charter #95742 · MD
POST OFFICE CU OF MD, INC. has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 12.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.6% in tier
- + Member Growth Rate: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Efficiency ratio 0.13% above tier (higher cost structure)
- - Delinquency rate 0.18% above tier average
- - Net Interest Margin (NIM): Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,776
+12.7% YoY0% QoQ
|
+150 |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$27.8M
-2.3% YoY0% QoQ
|
$-2.1M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
58% |
| Loans |
$17.3M
+41.6% YoY0% QoQ
|
+$1.5M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
65% |
| Deposits |
$20.6M
-3.3% YoY0% QoQ
|
$-4.9M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
53% |
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| ROA |
0.1%
-117.6% YoY-32.9% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
2.6%
+7.5% YoY-32.9% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.9% in tier |
| Efficiency Ratio |
81.5%
-32.6% YoY0% QoQ
|
+0.1% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
58% |
| Delinquency Rate |
1.7%
+208.9% YoY0% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
75% |
| Loan To Share |
84.0%
+46.4% YoY0% QoQ
|
+22.7% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$13,629
+0.3% YoY0% QoQ
|
$-998 |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
16.7%
-15.0% YoY0% QoQ
|
-7.8% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
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)