POSTAL & COMMUNITY
Charter #64145 · Saint Joseph, MO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.22% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.32% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.06% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.38% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 62nd — a 27-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 | POSTAL & COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $93.07M | 89th pct | 62th pct |
| Members | 11,114 | 97th pct | 74th pct |
| Net worth ratio | 9.79% | 18th pct | 26th pct |
| Return on average assets | 1.22% | 75th pct | 77th pct |
| Net interest margin | 3.32% | 30th pct | 18th pct |
| Cost of funds | 0.06% | 5th pct | 2th pct |
| Loan-to-share | 83.14% | 87th pct | 74th pct |
| Delinquency 60+ days | 0.58% | 48th pct | 59th pct |
| Net charge-off ratio | 0.28% | 53th pct | 52th pct |
| Loan growth YoY | 3.10% | 85th pct | 77th pct |
| Share growth YoY | 6.55% | 84th pct | 84th pct |
| Efficiency ratio | 66.38% | 19th pct | 21th pct |
structural peer set hash: dd7689919fa91ad979cdceb766127d1e… (reproducible)
Closest structural peers
This is the free public view
Claim POSTAL & COMMUNITY
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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.