Overview / Commentary
Postal & Community Credit Union is headquartered in Saint Joseph and is the 39th largest credit union in the state of Missouri. It is also the 2,130th largest credit union in the nation. It was established in 1922 and as of December of 2022, it had grown to 13 employees and 10,821 members at 2 locations. Postal & Community Credit Union has a B+ health rating.
Field of Membership Restrictions
Postal & Community Credit Union offers membership to individuals who live or work in Andrew or Buchanan Counties in Missouri, or Atchison, Doniphan, or Leavenworth Counties in Kansas. Family members of current credit union members may also join.
See current membership details
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Health
B+
Data as of Q4 2022
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Postal & Community Credit Union has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 64145 |
| Year Chartered | 1922 |
| Employees | 13 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.79% |
| Return on Equity - YTD | 9.2% |
| Annual Interest Income | $2.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2022vs Q4 2021 | $74.0MM$71.3MM |
| Loans | Q4 2022vs Q4 2021 | $54.2MM$46.1MM |
| Deposits | Q4 2022vs Q4 2021 | $67.5MM$65.5MM |
| Equity Capital | Q4 2022vs Q4 2021 | $6.3MM$5.7MM |
| Loan Loss Allowance | Q4 2022vs Q4 2021 | $124.00K$158.00K |
| Unbacked Noncurrent Loans | Q4 2022vs Q4 2021 | $245.00K$157.00K |
| Real Estate Owned | Q4 2022vs Q4 2021 | $0$0 |