POSTCITY FINANCIAL
Charter #86063 · Long Beach, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.22% sits at the 23rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 89.61% sits at the 75th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 31st percentile but its structural peers at the 52nd — a 22-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 | POSTCITY FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $78.19M | 64th pct | 66th pct |
| Members | 4,593 | 41th pct | 49th pct |
| Net worth ratio | 12.32% | 45th pct | 51th pct |
| Return on average assets | 0.22% | 23th pct | 23th pct |
| Net interest margin | 3.60% | 44th pct | 49th pct |
| Cost of funds | 0.80% | 41th pct | 52th pct |
| Loan-to-share | 50.55% | 31th pct | 52th pct |
| Delinquency 60+ days | 0.18% | 19th pct | 26th pct |
| Net charge-off ratio | 0.21% | 46th pct | 49th pct |
| Loan growth YoY | 3.35% | 87th pct | 89th pct |
| Share growth YoY | 1.01% | 28th pct | 34th pct |
| Efficiency ratio | 89.61% | 78th pct | 75th pct |
structural peer set hash: 664a0adc5ca4eeb403bec96526d70297… (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.