Postal Employees
Yardville, NJ · Charter 64882 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$35.7MAssets
$10.9MLoans
$29.5MShares
$5.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 69% of credit unions under $1B in assets (rank 517 of 1683).
- Widest gap: efficiency ratio trails 99% of credit unions under $1B in assets (rank 1658 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-3.05%
Rank 1,658 of 1,683
Net Interest Margin
3.05%
Rank 1,421 of 1,683
Efficiency Ratio
136.16%
Rank 1,658 of 1,682
Equity / Assets
15.32%
Rank 517 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -3.05% | 0.35% | 0.74% | 1.18% | Beats 1% | 1,658 / 1,683 | |
| Return on Equity | -19.92% | 2.67% | 5.89% | 8.74% | Beats 2% | 1,654 / 1,681 | |
| Net Interest Margin | 3.05% | 3.31% | 3.82% | 4.32% | Beats 16% | 1,421 / 1,683 | |
| Efficiency Ratio | 136.16% | 68.91% | 78.20% | 86.93% | Beats 1% | 1,658 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.87% | 0.26% | 0.65% | 1.29% | Beats 40% | 1,016 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.32% | 10.44% | 12.89% | 16.53% | Beats 69% | 517 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.32% | 10.44% | 12.89% | 16.53% | Beats 69% | 517 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 37.01% | 52.61% | 69.38% | 83.50% | 9th pctl | 1,535 / 1,683 | |
| Loans / Assets | 30.59% | 44.71% | 59.18% | 70.72% | 8th pctl | 1,540 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |