POST OFFICE CU OF MD, INC.
Charter #95742 · Baltimore, MD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,006 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.22% sits at the 15th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.84% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 92.60% sits at the 82nd percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 31st — a 36-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 | POST OFFICE CU OF MD, INC. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $29.30M | 59th pct | 80th pct |
| Members | 3,006 | 76th pct | 75th pct |
| Net worth ratio | 24.11% | 93th pct | 70th pct |
| Return on average assets | 0.22% | 28th pct | 15th pct |
| Net interest margin | 4.21% | 67th pct | 31th pct |
| Cost of funds | 1.12% | 63th pct | 56th pct |
| Loan-to-share | 108.38% | 100th pct | 93th pct |
| Delinquency 60+ days | 1.43% | 77th pct | 70th pct |
| Net charge-off ratio | 0.84% | 82th pct | 85th pct |
| Loan growth YoY | 29.00% | 100th pct | 98th pct |
| Share growth YoY | -0.08% | 26th pct | 15th pct |
| Efficiency ratio | 92.60% | 78th pct | 82th pct |
structural peer set hash: da7546623a96b420d75d5729c0d03d2a… (reproducible)
Closest structural peers
This is the free public view
Claim POST OFFICE CU OF MD, INC.
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.