Postal Family Credit Union, Inc.
Cincinnati, OH · Charter 97079 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 2 branches
Q2 2026
$66.2MAssets
$35.1MLoans
$53.7MShares
$12.0MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 81% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 5 of 26).
- Widest gap: net interest margin trails 69% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 18 of 26).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.02%
Rank 10 of 26
Net Interest Margin
3.76%
Rank 18 of 26
Efficiency Ratio
80.36%
Rank 17 of 26
Equity / Assets
18.10%
Rank 5 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.41% | 0.79% | 1.34% | Beats 62% | 10 / 26 | |
| Return on Equity | 5.62% | 3.53% | 6.04% | 8.49% | Beats 38% | 16 / 26 | |
| Net Interest Margin | 3.76% | 3.25% | 4.11% | 4.64% | Beats 31% | 18 / 26 | |
| Efficiency Ratio | 80.36% | 71.52% | 75.99% | 84.12% | Beats 38% | 17 / 26 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.44% | 0.40% | 1.09% | 2.09% | Beats 42% | 16 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.10% | 10.31% | 12.73% | 15.29% | Beats 81% | 5 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.10% | 10.31% | 12.73% | 15.29% | Beats 81% | 5 / 26 | |
| Liquidity & Funding |
| Loans / Deposits | 65.45% | 51.92% | 65.22% | 76.21% | 54th pctl | 12 / 26 | |
| Loans / Assets | 53.03% | 44.32% | 54.77% | 68.75% | 46th pctl | 14 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |