POSTEL FAMILY
Charter #67554 · Wichita Falls, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.01% sits at the 7th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.08% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.53% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 94.87% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 54th — a 19-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 | POSTEL FAMILY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $82.98M | 73th pct | 54th pct |
| Members | 5,826 | 62th pct | 69th pct |
| Net worth ratio | 11.22% | 33th pct | 39th pct |
| Return on average assets | -0.01% | 13th pct | 7th pct |
| Net interest margin | 3.83% | 56th pct | 74th pct |
| Cost of funds | 1.13% | 63th pct | 62th pct |
| Loan-to-share | 54.18% | 38th pct | 36th pct |
| Delinquency 60+ days | 0.08% | 10th pct | 18th pct |
| Net charge-off ratio | 0.53% | 72th pct | 84th pct |
| Loan growth YoY | 1.03% | 71th pct | 70th pct |
| Share growth YoY | 4.84% | 72th pct | 84th pct |
| Efficiency ratio | 94.87% | 89th pct | 90th pct |
structural peer set hash: e61a8b498c98c4cbd50abd405afea2e1… (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.