Postal & Community
Saint Joseph, MO · Charter 64145 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$94.7MAssets
$74.3MLoans
$85.4MShares
$9.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 87% of credit unions under $1B in assets (rank 226 of 1681).
- Widest gap: equity / assets trails 81% of credit unions under $1B in assets (rank 1369 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.05%
Rank 540 of 1,683
Net Interest Margin
3.30%
Rank 1,274 of 1,683
Efficiency Ratio
64.41%
Rank 279 of 1,682
Equity / Assets
9.86%
Rank 1,369 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.35% | 0.74% | 1.18% | Beats 68% | 540 / 1,683 | | |
| Return on Equity | 10.70% | 2.67% | 5.89% | 8.74% | Beats 87% | 226 / 1,681 | | |
| Net Interest Margin | 3.30% | 3.31% | 3.82% | 4.32% | Beats 24% | 1,274 / 1,683 | | |
| Efficiency Ratio | 64.41% | 68.91% | 78.20% | 86.93% | Beats 83% | 279 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.26% | 0.65% | 1.29% | Beats 67% | 555 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.86% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,369 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.86% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,369 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.10% | 52.61% | 69.38% | 83.50% | 81st pctl | 317 / 1,683 | | |
| Loans / Assets | 78.54% | 44.71% | 59.18% | 70.72% | 89th pctl | 180 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |