Post Office CU of Md, Inc.

Baltimore, MD · 3 · Charter #95742 · www.pocumd.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$28.2M
75th percentile
Members
2,960
84th percentile
Total loans
$20.9M
90th percentile
Total shares
$19.5M
67th percentile

Profitability

Return on assets
0.79%
50th percentile
Net interest margin
4.18%
58th percentile
Efficiency ratio
75.00%
33th percentile
Non-interest income ratio
12.37%
61th percentile

Capital & Risk

Net worth ratio
24.99%
86th percentile
Delinquency rate
1.23%
36th percentile
Net charge-off rate
0.91%
19th percentile
Loan-to-share
107.05%
96th percentile

Growth

Member growth YoY
14.15%
98th percentile
Asset growth YoY
0.32%
44th percentile
Loan growth YoY
51.66%
99th percentile
Share growth YoY
-7.24%
14th percentile

Operations

Members / branch
2,960
92th percentile
Assets / member
$9,539
53th percentile
Field of membership penetration
22.77%
36th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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