Credit Union Safety Analysis
Is Postal & Community Credit Union Safe? Saint Joseph, Missouri
Based on its Q2 2026 NCUA 5300 call report, Postal & Community Credit Union has a net worth ratio of 9.86%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.38%, 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, Postal & Community Credit Union's net worth ratio is 9.86%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.86%
- Delinquency ratio (60+ days) (Q2 2026): 0.38%
- Return on assets (Q2 2026): 0.93%
- Loan-to-share ratio (Q2 2026): 87.10%
Postal & Community Credit Union (NCUA charter 64145, established 1928) reported $94.7M in assets and 11,156 members for Q2 2026 from Saint Joseph, Missouri. It ranks 30 of 85 credit unions in Missouri by total assets. Total assets grew 10.3% from $85.8M on June 30, 2025. 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.
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: 9.79% for Q1 2026; 9.61% 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: 0.58% for Q1 2026; 0.27% 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: 1.20% for Q1 2026; 0.48% 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: 83.14% for Q1 2026; 83.97% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $26.8M
- 1- to 4-family residential and other consumer real estate loans: $19.1M
- Used vehicle loans: $19.1M
- Other secured non-real estate loans and lines of credit: $6.9M
- Other unsecured loans and lines of credit: $2.1M
- Unsecured credit card loans: $317K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $94.7M | 9.86% | 0.38% | 0.93% | 87.10% |
| March 31, 2026 | $93.1M | 9.79% | 0.58% | 1.20% | 83.14% |
| December 31, 2025 | $91.3M | 9.69% | 0.55% | 0.75% | 81.81% |
| September 30, 2025 | $87.2M | 9.77% | 0.49% | 1.97% | 85.92% |
| June 30, 2025 | $85.8M | 9.61% | 0.27% | 0.48% | 83.97% |
| March 31, 2025 | $85.0M | 9.52% | 0.29% | 1.25% | 80.00% |
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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.
Postal & Community Credit Union profile
Regulator records: NCUA credit union profile (charter 64145) · FFIEC NIC profile (RSSD 317995)
Frequently asked questions
Is Postal & Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Postal & Community Credit Union's net worth ratio is 9.86%, above the 7% NCUA threshold for well capitalized.
Is Postal & Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Postal & Community Credit Union is a federally insured credit union (NCUA charter 64145): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Postal & Community Credit Union's key safety ratios?
For Q2 2026, Postal & Community Credit Union reports net worth 9.86%, delinquency 0.38%, ROA 0.93%, loan-to-share 87.10%.
What happens to my money if Postal & Community Credit Union fails?
For Q2 2026, Postal & Community Credit Union held $85.4M in shares and deposits for 11,156 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.