BlastPoint's Credit Union Scorecard

POSTAL FAMILY CREDIT UNION, INC.

Charter #97079 · OH

<100M

2508 CUs in <100M nationally 116 in OH

POSTAL FAMILY CREDIT UNION, INC. has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.65% above tier average

Key Concerns

Areas that may need attention

- Member decline: -5.5% YoY
- First Mortgage Concentration (%): Bottom 4.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	4,014 -5.5% YoY-1.2% QoQ	+1.3K	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	79%
Assets	$66.4M -1.1% YoY+1.0% QoQ	+$36.2M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	Top 13.7% in tier
Loans	$35.4M -1.6% YoY-3.2% QoQ	+$20.1M	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	Top 13.1% in tier
Deposits	$54.0M -2.4% YoY+0.8% QoQ	+$28.2M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	84%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% -21.9% YoY-23.8% QoQ	+0.6%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	60%
NIM	3.7% -3.2% YoY-8.5% QoQ	-0.3%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	44%
Efficiency Ratio	80.5% -0.2% YoY+5.4% QoQ	-10.1%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	47%
Delinquency Rate	1.5% +384.6% YoY+279.7% QoQ	+0.0	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	75%
Loan To Share	65.4% +0.8% YoY-4.0% QoQ	+6.9%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	60%
AMR	$22,265 +3.6% YoY+0.3% QoQ	+$7K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	Top 14.5% in tier
CD Concentration	7.7% +13.1% YoY+2.7% QoQ	-16.6%	24.3%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.4%	7.7%	50%

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

320

Loan-to-Member Ratio (LMR)

engagement

Value: $8,807

Peer Median: $4,923

#320 of 2508 Top 12.7% in <100M tier

328

Total Loans

balance_sheet

Value: $35.35M

Peer Median: $9.48M

#328 of 2508 Top 13.0% in <100M tier

343

Total Assets

balance_sheet

Value: $66.44M

Peer Median: $21.86M

#343 of 2508 Top 13.6% in <100M tier

364

Average Member Relationship (AMR)

engagement

Value: $22,265

Peer Median: $13,926

#364 of 2508 Top 14.5% in <100M tier

399

Total Deposits

balance_sheet

Value: $54.02M

Peer Median: $18.77M

#399 of 2508 Top 15.9% in <100M tier

409

Fee Income Per Member

profitability

Value: $132.15

Peer Median: $60.42

#409 of 2508 Top 16.3% in <100M tier

434

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: 0.07%

#434 of 2508 Top 17.3% in <100M tier

517

Total Members

engagement

Value: 4,014

Peer Median: 1,918

#517 of 2508 Top 20.6% in <100M tier

Top Weaknesses (3 metrics)

2389

First Mortgage Concentration (%)

balance_sheet

Value: 58.58%

Peer Median: 3.66%

#2389 of 2508 Bottom 4.8% in <100M tier

2125

Member Growth Rate

growth

Value: -5.49%

Peer Median: -1.37%

#2125 of 2508 Bottom 15.3% in <100M tier

1884

Total Delinquency Rate (60+ days)

risk

Value: 1.54%

Peer Median: 0.65%

#1884 of 2508 Bottom 24.9% in <100M tier