POSTAL FAMILY CREDIT UNION, INC.
Charter #97079 · CINCINNATI, OH · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.74% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.45% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.54% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.01% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 53rd percentile but its structural peers at the 36th — a 17-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 | POSTAL FAMILY CREDIT UNION, INC. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $66.44M | 41th pct | 46th pct |
| Members | 4,014 | 28th pct | 36th pct |
| Net worth ratio | 17.74% | 84th pct | 80th pct |
| Return on average assets | 0.80% | 57th pct | 69th pct |
| Net interest margin | 3.69% | 51th pct | 54th pct |
| Cost of funds | 0.45% | 21th pct | 21th pct |
| Loan-to-share | 65.44% | 58th pct | 49th pct |
| Delinquency 60+ days | 1.54% | 88th pct | 82th pct |
| Net charge-off ratio | -0.01% | 10th pct | 15th pct |
| Loan growth YoY | -3.28% | 33th pct | 23th pct |
| Share growth YoY | 1.20% | 31th pct | 34th pct |
| Efficiency ratio | 80.55% | 53th pct | 36th pct |
structural peer set hash: 4ce4e69c37dea82098807171e57e7dbd… (reproducible)
Closest structural peers
This is the free public view
Claim POSTAL FAMILY CREDIT UNION, INC.
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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.