Credit Union Safety Analysis
Is Columbia Post Office Credit Union Safe? Columbia, South Carolina
Based on its Q2 2026 NCUA 5300 call report, Columbia Post Office Credit Union has a net worth ratio of 24.31%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.28%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Columbia Post Office Credit Union's net worth ratio is 24.31%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 24.31%
- Delinquency ratio (60+ days) (Q2 2026): 0.28%
- Return on assets (Q2 2026): 0.98%
- Loan-to-share ratio (Q2 2026): 18.97%
Columbia Post Office Credit Union (NCUA charter 61065, established 1927) reported $25.2M in assets and 1,189 members for Q2 2026 from Columbia, South Carolina. It ranks 35 of 45 credit unions in South Carolina by total assets. Total assets fell 6.1% from $26.8M on June 30, 2025. It has 41 fewer members than on June 30, 2025 (-3.3%). Its net worth ratio was up 2.32 percentage points from 21.99% on June 30, 2025. Used vehicle loans are its largest loan category, $1.8M of $3.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.28% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 23.65% for Q1 2026; 21.99% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.23% for Q1 2026; 2.40% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.78% for Q1 2026; 1.15% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 18.46% for Q1 2026; 20.39% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.8M
- New vehicle loans: $1.0M
- Other unsecured loans and lines of credit: $567K
- Other secured non-real estate loans and lines of credit: $201K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $25.2M | 24.31% | 0.28% | 0.98% | 18.97% |
| March 31, 2026 | $25.6M | 23.65% | 0.23% | 0.78% | 18.46% |
| December 31, 2025 | $25.8M | 23.27% | 1.05% | 1.25% | 19.22% |
| September 30, 2025 | $26.6M | 22.23% | 0.72% | 0.47% | 19.42% |
| June 30, 2025 | $26.8M | 21.99% | 2.40% | 1.15% | 20.39% |
| March 31, 2025 | $27.8M | 20.90% | 1.30% | 0.39% | 20.26% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Columbia Post Office Credit Union profile
Regulator records: NCUA credit union profile (charter 61065) · FFIEC NIC profile (RSSD 366395)
Frequently asked questions
Is Columbia Post Office Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Columbia Post Office Credit Union's net worth ratio is 24.31%, above the 7% NCUA threshold for well capitalized.
Is Columbia Post Office Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Columbia Post Office Credit Union is a federally insured credit union (NCUA charter 61065): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Columbia Post Office Credit Union's key safety ratios?
For Q2 2026, Columbia Post Office Credit Union reports net worth 24.31%, delinquency 0.28%, ROA 0.98%, loan-to-share 18.97%.
What happens to my money if Columbia Post Office Credit Union fails?
For Q2 2026, Columbia Post Office Credit Union held $19.0M in shares and deposits for 1,189 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.