QUINCY POSTAL EMPLOYEES
Charter #63378 · QUINCY, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 307 sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 1.03% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.81% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 22nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 33rd percentile but its structural peers at the 7th — a 26-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 | QUINCY POSTAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.22M | 33th pct | 7th pct |
| Members | 307 | 26th pct | 7th pct |
| Net worth ratio | 16.70% | 47th pct | 64th pct |
| Return on average assets | 0.37% | 49th pct | 46th pct |
| Net interest margin | 3.53% | 34th pct | 28th pct |
| Cost of funds | 1.03% | 67th pct | 84th pct |
| Loan-to-share | 26.92% | 16th pct | 23th pct |
| Delinquency 60+ days | 2.81% | 76th pct | 87th pct |
| Net charge-off ratio | 0.00% | 22th pct | 22th pct |
| Loan growth YoY | -20.17% | 7th pct | 0th pct |
| Share growth YoY | 4.36% | 78th pct | 77th pct |
| Efficiency ratio | 89.68% | 55th pct | 56th pct |
structural peer set hash: 29342b35c277010dc4fb7caf80b966db… (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.