PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Postcity Financial

Long Beach, CA · Charter 86063

NCUA · 3 branches

Q2 2026

$78.8MAssets
$35.2MLoans
$69.2MShares
$9.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.47%, up 26 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.27% of loans (-52 bps YoY).
  • Capital: net worth / assets of 12.39%, up 22 bps from a year ago.
  • Funding: loans stand at 50.85% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.47%+26 bps YoY

Net Interest Margin (quarter, annualized)

3.60%+20 bps YoY

Efficiency Ratio (quarter, annualized)

84.99%-171 bps YoY

Net Worth / Assets

12.39%+22 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.31%0.19%0.22%0.47%+26 bps
Return on Equity1.71%2.46%1.52%1.81%3.80%+209 bps
Net Interest Margin3.40%3.54%3.52%3.57%3.60%+20 bps
Efficiency Ratio86.70%86.63%90.17%89.61%84.99%-171 bps
Growth
Asset Growth (YoY)3.63%0.11%-1.81%1.03%0.68%-295 bps
Loan Growth (YoY)14.04%12.43%9.69%13.06%7.91%-613 bps
Share Growth (YoY)4.13%-0.21%-2.69%1.15%0.63%-350 bps
Asset Quality
Delinquent Loans / Loans0.79%0.94%0.18%0.18%0.27%-52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.17%12.39%12.44%12.32%12.39%+22 bps
Net Worth / Assets12.17%12.39%12.44%12.32%12.39%+22 bps
Liquidity & Funding
Loans / Shares47.42%49.41%51.87%50.55%50.85%+343 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps