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Letter portraitLegal landscapeQuarterYTD

Postal Family Credit Union, Inc.

Cincinnati, OH · Charter 97079

NCUA · 2 branches

Q2 2026

$66.2MAssets
$35.1MLoans
$53.7MShares
$12.0MNet Worth

Executive Summary

  • Earnings: ROA of 1.02%, up 6 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 1.44% of loans (+134 bps YoY).
  • Capital: net worth / assets of 18.10%, up 101 bps from a year ago.
  • Funding: loans stand at 65.45% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.02%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.76%-6 bps YoY

Efficiency Ratio (YTD, annualized)

80.34%+48 bps YoY

Net Worth / Assets

18.10%+101 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.91%1.00%0.96%1.15%1.04%0.80%1.02%+6 bps
Return on Equity5.44%5.26%5.96%5.62%6.52%5.89%4.48%5.63%0 bps
Net Interest Margin4.13%4.06%3.71%3.82%4.04%4.01%3.68%3.76%-6 bps
Efficiency Ratio71.80%72.14%80.70%79.86%77.04%76.45%80.55%80.34%+48 bps
Growth
Asset Growth (YoY)-4.81%-2.40%0.37%3.11%3.20%2.74%-1.07%-0.47%-358 bps
Loan Growth (YoY)-5.90%-4.97%-4.30%-4.60%-0.78%0.27%-1.60%-0.73%+386 bps
Share Growth (YoY)-6.70%-3.30%0.00%2.85%2.37%2.12%-2.39%-1.67%-452 bps
Asset Quality
Delinquent Loans / Loans0.32%0.49%0.32%0.10%0.65%0.41%1.54%1.44%+134 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.30%17.26%16.71%17.09%17.69%17.70%17.74%18.10%+101 bps
Net Worth / Assets17.30%17.26%16.71%17.09%17.69%17.70%17.74%18.10%+101 bps
Liquidity & Funding
Loans / Shares70.64%69.43%64.91%64.83%68.47%68.17%65.44%65.45%+62 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps