U S Postal Service

CLINTON, MD · 1 · Charter #16402 · www.uspsfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$283.8M
12th percentile
Members
25,185
41th percentile
Total loans
$194.4M
17th percentile
Total shares
$252.5M
14th percentile

Profitability

Return on assets
0.56%
23th percentile
Net interest margin
3.12%
29th percentile
Efficiency ratio
67.52%
18th percentile
Non-interest income ratio
21.77%
68th percentile

Capital & Risk

Net worth ratio
10.55%
45th percentile
Delinquency rate
0.66%
55th percentile
Net charge-off rate
0.73%
22th percentile
Loan-to-share
77.00%
41th percentile

Growth

Member growth YoY
-11.95%
1th percentile
Asset growth YoY
5.43%
53th percentile
Loan growth YoY
-3.07%
13th percentile
Share growth YoY
5.85%
61th percentile

Operations

Members / branch
4,198
41th percentile
Assets / member
$11,270
8th percentile
Field of membership penetration
34.50%
91th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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