Overview / Commentary
Postal & Community Credit Union is headquartered in Saint Joseph and is the 32nd largest credit union in the state of Missouri. It is also the 1,977th largest credit union in the nation. It was established in 1922 and as of March of 2025, it had grown to 12 employees and 11,017 members at 2 locations. Postal & Community Credit Union has an A 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
Health
A
Data as of Q1 2025
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 | 12 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.26% |
| Return on Equity - YTD | 13.14% |
| Annual Interest Income | $1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $85MM$80.3MM |
| Loans | Q1 2025vs Q1 2024 | $61.4MM$58.6MM |
| Deposits | Q1 2025vs Q1 2024 | $76.8MM$72.9MM |
| Equity Capital | Q1 2025vs Q1 2024 | $8.1MM$7.2MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $179K$171K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $178K$287K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |