POSTAL FAMILY
Charter #951 · FARGO, ND · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.41% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 3.30% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.90% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.11% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.88% sits at the 80th 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 FAMILY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $29.70M | 60th pct | 44th pct |
| Members | 2,249 | 56th pct | 46th pct |
| Net worth ratio | 10.41% | 21th pct | 21th pct |
| Return on average assets | 0.21% | 27th pct | 26th pct |
| Net interest margin | 3.30% | 26th pct | 21th pct |
| Cost of funds | 0.90% | 53th pct | 79th pct |
| Loan-to-share | 33.28% | 13th pct | 25th pct |
| Delinquency 60+ days | 0.11% | 23th pct | 23th pct |
| Net charge-off ratio | 0.88% | 83th pct | 80th pct |
| Loan growth YoY | -10.57% | 6th pct | 7th pct |
| Share growth YoY | -0.42% | 23th pct | 21th pct |
| Efficiency ratio | 93.80% | 80th pct | 75th pct |
structural peer set hash: dc58b43d9f4e141c10acdac7cfad4549… (reproducible)
Closest structural peers
This is the free public view
Claim POSTAL FAMILY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.