POST OFFICE EMPLOYEES'
Charter #63069 · METAIRIE, LA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.43% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.15% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 26th — a 16-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | POST OFFICE EMPLOYEES' | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $54.18M | 10th pct | 26th pct |
| Members | 4,321 | 35th pct | 39th pct |
| Net worth ratio | 12.37% | 45th pct | 56th pct |
| Return on average assets | 0.45% | 36th pct | 49th pct |
| Net interest margin | 4.03% | 68th pct | 70th pct |
| Cost of funds | 0.43% | 20th pct | 15th pct |
| Loan-to-share | 67.24% | 62th pct | 57th pct |
| Delinquency 60+ days | 0.74% | 58th pct | 43th pct |
| Net charge-off ratio | -0.15% | 3th pct | 3th pct |
| Loan growth YoY | 0.11% | 66th pct | 66th pct |
| Share growth YoY | 1.01% | 29th pct | 33th pct |
| Efficiency ratio | 89.02% | 77th pct | 62th pct |
structural peer set hash: 46bc03075325a041cc0f3522620ad2d1… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.