Postal & Community Credit Union

Overview / Commentary
3921 Oakland Ave
Saint Joseph, MO 64506

Postal & Community Credit Union is headquartered in Saint Joseph and is the 35th largest credit union in the state of Missouri. It is also the 2,068th largest credit union in the nation. It was established in 1922 and as of December of 2023, it had grown to 11 employees and 10,874 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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Additional 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

NCUA #64145
Year Chartered1922
Primary Regulator
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD10.16%
Annual Interest Income$3.1MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$77.2MM$74MM
LoansQ4 2023vs Q4 2022$56.8MM$54.2MM
DepositsQ4 2023vs Q4 2022$70.1MM$67.5MM
Equity CapitalQ4 2023vs Q4 2022$7MM$6.3MM
Loan Loss AllowanceQ4 2023vs Q4 2022$201K$124K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$399K$245K
Real Estate OwnedQ4 2023vs Q4 2022$0$0

Rates for Postal & Community Credit Union are currently being reviewed.


Postal & Community Credit Union Locations
Branch Office3921 Oakland AveSaint Joseph, MO 64506
Branch Office402 S. Bus 71 HwySavannah, MO 64485

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