Postal & Community

Saint Joseph, MO · 2 · Charter #64145 · www.yourpccu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$91.3M
39th percentile
Members
11,086
74th percentile
Total loans
$67.4M
56th percentile
Total shares
$82.3M
44th percentile

Profitability

Return on assets
1.41%
73th percentile
Net interest margin
3.35%
33th percentile
Efficiency ratio
46.91%
88th percentile
Non-interest income ratio
11.50%
22th percentile

Capital & Risk

Net worth ratio
9.69%
19th percentile
Delinquency rate
0.55%
61th percentile
Net charge-off rate
0.17%
72th percentile
Loan-to-share
81.81%
75th percentile

Growth

Member growth YoY
0.64%
66th percentile
Asset growth YoY
9.24%
86th percentile
Loan growth YoY
9.97%
87th percentile
Share growth YoY
9.11%
85th percentile

Operations

Members / branch
5,543
87th percentile
Assets / member
$8,236
6th percentile
Field of membership penetration
22.17%
72th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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