BlastPoint's Credit Union Scorecard
CHICAGO POST OFFICE EMPLOYEES
Charter #95826 · IL
CHICAGO POST OFFICE EMPLOYEES has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.00% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Efficiency ratio 2.78% above tier (higher cost structure)
- - Delinquency rate 1.61% above tier average
- - Net Charge-Off Rate: Bottom 1.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,924
-0.4% YoY+0.4% QoQ
|
+2.3K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Top 14.6% in tier |
| Assets |
$28.5M
-0.6% YoY+0.3% QoQ
|
$-1.4M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
58% |
| Loans |
$13.3M
-5.9% YoY-2.7% QoQ
|
$-2.5M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
58% |
| Deposits |
$22.0M
-1.8% YoY-0.5% QoQ
|
$-3.5M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
56% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-80.4% YoY+285.7% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
5.9%
+3.3% YoY+0.7% QoQ
|
+2.0% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 4.4% in tier |
| Efficiency Ratio |
84.2%
+0.1% YoY+1.6% QoQ
|
+2.8% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
65% |
| Delinquency Rate |
3.1%
+0.1% YoY-11.3% QoQ
|
+1.6 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 11.4% in tier |
| Loan To Share |
60.4%
-4.1% YoY-2.2% QoQ
|
-0.8% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
49% |
| AMR |
$7,154
-3.0% YoY-1.7% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration |
16.3%
+3.2% YoY-7.2% QoQ
|
-8.1% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
+3.4% 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)