Overview / Commentary
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 2,031st largest credit union in the nation. It was established in 1922 and as of June of 2024, it had grown to 12 employees and 11,010 members at 2 locations. Postal & Community Credit Union's money market rates are 5X the national average, and it 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 Q2 2024
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 | 1.14% |
| Return on Equity - YTD | 12.26% |
| Annual Interest Income | $1.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2024vs Q2 2023 | $79.9MM$77.2MM |
| Loans | Q2 2024vs Q2 2023 | $60.1MM$55.5MM |
| Deposits | Q2 2024vs Q2 2023 | $72.4MM$70.5MM |
| Equity Capital | Q2 2024vs Q2 2023 | $7.4MM$6.6MM |
| Loan Loss Allowance | Q2 2024vs Q2 2023 | $152K$166K |
| Unbacked Noncurrent Loans | Q2 2024vs Q2 2023 | $270K$302K |
| Real Estate Owned | Q2 2024vs Q2 2023 | $0$0 |