Postal & Community Credit Union Saint Joseph, Missouri
Postal & Community Credit Union is a state-chartered credit union headquartered in Saint Joseph, MO, established in 1928 (NCUA charter 64145), and it is regulated and insured by the NCUA. At Q2 2026 it reported 11,156 members and total assets of $94.7M (up 10.3% from Q2 2025), the 30th largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 9.86% at Q2 2026, in the well capitalized band.
Also written as Postal & Community CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 64145
- Headquarters
- Saint Joseph, MO
- Established
- 1928
- Total assets, Q2 2026
- $94.7M
- Assets vs Q2 2025
- +10.3%
- Members, Q2 2026
- 11,156
- Net worth ratio, Q2 2026
- 9.86%
- Latest call report
- Q2 2026, NCUA 5300 · Postal & Community Credit Union call report
- Asset rank in state
- 30th of 85 in Missouri
- Routing number
- 301281968
- Branches
- 2
It has 89 more members than on June 30, 2025 (+0.8%). Its net worth ratio was up 0.25 percentage points from 9.61% on June 30, 2025. New vehicle loans are its largest loan category, $26.8M of $74.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.38% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 9.86% net worth ratio is below that band's 14.31% median.
Frequently asked about Postal & Community Credit Union
How big is Postal & Community Credit Union?
At Q2 2026 it reported total assets of $94.7M and 11,156 members.
Where is Postal & Community Credit Union headquartered?
It is headquartered in Saint Joseph, MO, United States.
When was Postal & Community Credit Union founded?
It was established in 1928, per NCUA records.
Is Postal & Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64145): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Postal & Community Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Postal & Community Credit Union well capitalized?
Its net worth ratio was 9.86% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Postal & Community Credit Union's delinquency ratio?
Its delinquency ratio was 0.38% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Postal & Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 87.10% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Saint Joseph, MO 64506
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1928
- NCUA Charter #
- 64145
- RSSD ID
- 317995
- Members
- 11,156
- Potential members
- 50,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 9.86% | 14.31% | 15th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.93% | 0.72% | 59th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 9.40% | 4.74% | 78th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.37% | 3.93% | 27th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 62.61% | 79.83% | 83rd top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.64% | 0.78% | 13th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.38% | 0.86% | 73rd above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.01% | 4.70% | 62nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 87.10% | 58.92% | 88th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$94.7M total assets against $85.8M; $85.4M total shares and deposits against $77.4M; $74.3M total loans against $65.0M.
$9.3M net worth against $8.2M.
9.86% net worth ratio against 9.61%.
87.10% loan-to-share ratio against 83.97%.
0.38% delinquency ratio against 0.27%.
0.93% return on assets against 0.48%; 9.40% return on equity against 4.94%.
3.37% net interest margin against 3.58%.
11,156 members against 11,067.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.86% | 0.93% | 0.38% | 87.10% |
| March 31, 2026 | 9.79% | 1.20% | 0.58% | 83.14% |
| December 31, 2025 | 9.69% | 0.75% | 0.55% | 81.81% |
| September 30, 2025 | 9.77% | 1.97% | 0.49% | 85.92% |
| June 30, 2025 | 9.61% | 0.48% | 0.27% | 83.97% |
| March 31, 2025 | 9.52% | 1.25% | 0.29% | 80.00% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.