BlastPoint's Credit Union Scorecard
POST OFFICE CU OF MD, INC.
Charter #95742 · MD
POST OFFICE CU OF MD, INC. has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.07% above tier average
- + Net Interest Margin 0.12% above tier average
- + Strong member growth: 12.6% YoY
- + Loan Growth Rate: Top 1.0% in tier
- + Loan-to-Share Ratio: Top 1.5% in tier
- + Member Growth Rate: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.97% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,006
+12.6% YoY+1.6% QoQ
|
+329 |
2,676
+1.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
68% |
| Assets |
$29.3M
+4.2% YoY+3.8% QoQ
|
$-894K |
$30.2M
+1.3% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
58% |
| Loans |
$22.3M
+45.6% YoY+6.7% QoQ
|
+$7.0M |
$15.3M
-2.0% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
74% |
| Deposits |
$20.6M
-2.0% YoY+5.4% QoQ
|
$-5.2M |
$25.8M
+0.7% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
53% |
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| ROA |
0.2%
+13.5% YoY-307.7% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
31% |
| NIM |
4.1%
+18.4% YoY-2.1% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
64% |
| Efficiency Ratio |
92.6%
+12.4% YoY+10.7% QoQ
|
+2.0% |
90.6%
+6.5% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
74% |
| Delinquency Rate |
1.4%
-27.9% YoY+16.6% QoQ
|
-0.1 |
1.5%
+3.8% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
73% |
| Loan To Share |
108.4%
+48.6% YoY+1.2% QoQ
|
+49.9% |
58.5%
-3.0% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
Top 1.6% in tier |
| AMR |
$14,247
+4.8% YoY+4.5% QoQ
|
$-637 |
$14,884
-1.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
52% |
| CD Concentration |
24.4%
+34.2% YoY+26.0% QoQ
|
+0.1% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.7% | 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)