Post Office CU of MD, Inc.
Baltimore, MD · Charter 95742 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$28.2MAssets
$24.2MLoans
$21.0MShares
$7.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 94% of credit unions under $1B in assets (rank 98 of 1683).
- Widest gap: nonperforming loans / loans trails 82% of credit unions under $1B in assets (rank 1382 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.51%
Rank 1,125 of 1,683
Net Interest Margin
4.42%
Rank 371 of 1,683
Efficiency Ratio
88.48%
Rank 1,325 of 1,682
Equity / Assets
25.20%
Rank 98 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.35% | 0.74% | 1.18% | Beats 33% | 1,125 / 1,683 | |
| Return on Equity | 2.03% | 2.67% | 5.89% | 8.74% | Beats 20% | 1,341 / 1,681 | |
| Net Interest Margin | 4.42% | 3.31% | 3.82% | 4.32% | Beats 78% | 371 / 1,683 | |
| Efficiency Ratio | 88.48% | 68.91% | 78.20% | 86.93% | Beats 21% | 1,325 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.65% | 0.26% | 0.65% | 1.29% | Beats 18% | 1,382 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 25.20% | 10.44% | 12.89% | 16.53% | Beats 94% | 98 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 25.20% | 10.44% | 12.89% | 16.53% | Beats 94% | 98 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 115.00% | 52.61% | 69.38% | 83.50% | 99th pctl | 9 / 1,683 | |
| Loans / Assets | 85.76% | 44.71% | 59.18% | 70.72% | 98th pctl | 32 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |