POSTAL EMPLOYEES
Charter #64882 · YARDVILLE, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.91% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -1.58% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 2.59% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 1.29% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 4.32% sits at the 98th percentile of structural peers — worth a closer look.
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 EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $36.68M | 76th pct | 41th pct |
| Members | 1,797 | 37th pct | 26th pct |
| Net worth ratio | 15.91% | 65th pct | 77th pct |
| Return on average assets | -1.58% | 4th pct | 0th pct |
| Net interest margin | 2.59% | 7th pct | 2th pct |
| Cost of funds | 1.29% | 70th pct | 80th pct |
| Loan-to-share | 39.01% | 20th pct | 25th pct |
| Delinquency 60+ days | 0.74% | 58th pct | 67th pct |
| Net charge-off ratio | 4.32% | 99th pct | 98th pct |
| Loan growth YoY | 3.63% | 90th pct | 82th pct |
| Share growth YoY | -3.83% | 5th pct | 0th pct |
| Efficiency ratio | 155.58% | 99th pct | 98th pct |
structural peer set hash: c86d15f76fe3b2ffdb67f7224805097e… (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.