Postel Family Credit Union Wichita Falls, Texas
Postel Family Credit Union is a state-chartered credit union headquartered in Wichita Falls, TX, established in 1929 (NCUA charter 67554), and it is regulated and insured by the NCUA. At Q2 2026 it reported 5,795 members and total assets of $85.2M (up 7.8% from Q2 2025), the 158th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 11.05% at Q2 2026, in the well capitalized band.
Also written as Postel Family 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
- 67554
- Headquarters
- Wichita Falls, TX
- Established
- 1929
- Total assets, Q2 2026
- $85.2M
- Assets vs Q2 2025
- +7.8%
- Members, Q2 2026
- 5,795
- Net worth ratio, Q2 2026
- 11.05%
- Latest call report
- Q2 2026, NCUA 5300 · Postel Family Credit Union call report
- Asset rank in state
- 158th of 377 in Texas
- Routing number
- 311990391
- Branches
- 1
It has 63 more members than on June 30, 2025 (+1.1%). Its net worth ratio was down 0.59 percentage points from 11.64% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $15.9M of $39.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.33% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.05% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Texas
Frequently asked about Postel Family Credit Union
How big is Postel Family Credit Union?
At Q2 2026 it reported total assets of $85.2M and 5,795 members.
Where is Postel Family Credit Union headquartered?
It is headquartered in Wichita Falls, TX, United States.
When was Postel Family Credit Union founded?
It was established in 1929, per NCUA records.
Is Postel Family Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67554): 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 Postel Family 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 Postel Family Credit Union well capitalized?
Its net worth ratio was 11.05% 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 Postel Family Credit Union's delinquency ratio?
Its delinquency ratio was 0.33% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Postel Family Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 52.88% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Wichita Falls, TX 76308
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1929
- NCUA Charter #
- 67554
- RSSD ID
- 974491
- Members
- 5,795
- Potential members
- 166,461
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 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.05% | 14.31% | 24th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.47% | 0.72% | 39th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.27% | 4.74% | 47th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.99% | 3.93% | 53rd above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 87.09% | 79.83% | 35th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.00% | 0.78% | 38th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.33% | 0.86% | 76th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.99% | 4.70% | 62nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 52.88% | 58.92% | 41st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$85.2M total assets against $79.0M; $74.9M total shares and deposits against $69.0M; $39.6M total loans against $38.8M.
$9.4M net worth against $9.2M.
11.05% net worth ratio against 11.64%.
52.88% loan-to-share ratio against 56.17%.
0.33% delinquency ratio against 0.31%.
0.47% return on assets against 0.81%; 4.27% return on equity against 6.93%.
3.99% net interest margin against 4.14%.
5,795 members against 5,732.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.05% | 0.47% | 0.33% | 52.88% |
| March 31, 2026 | 11.22% | -0.01% | 0.08% | 54.18% |
| December 31, 2025 | 11.48% | 0.34% | 0.27% | 55.96% |
| September 30, 2025 | 11.69% | 0.15% | 0.34% | 56.22% |
| June 30, 2025 | 11.64% | 0.81% | 0.31% | 56.17% |
| March 31, 2025 | 11.79% | 0.19% | 0.39% | 56.45% |
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.