Nashville Post Office Credit Union
Total assets
$80.8M
▲ +6.6% YoY
Shares & deposits
$67.1M
▲ +6.9% YoY
Loans
$39.1M
▲ +8.8% YoY
Members
4,080
▼ -7.0% YoY
ROA (annualized)
-1.09%
peers 0.60%
ROE (annualized)
-6.73%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +1.3% | +5.3 pts |
| Share growth (YoY) | +6.9% | +0.7% | +6.2 pts |
| Loan growth (YoY) | +8.8% | -2.4% | +11.2 pts |
| ROA | -1.09% | 0.60% | -1.7 pts |
| ROE | -6.7% | 4.1% | -10.8 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
Profile
- Established
- 1925
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- Po Box 291233, Nashville, TN, 37229
- NCUA charter #
- 67922
- RSSD ID
- 444592
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $80.8M | $67.1M | $39.1M | $13.1M | $-221K | -1.09% | 3.09% | 0.80% | 4,080 |
| Q4 2025 | $80.0M | $65.9M | $37.0M | $13.3M | $292K | 0.37% | 2.95% | 1.25% | 4,300 |
| Q3 2025 | $76.3M | $62.7M | $36.8M | $13.2M | $196K | 0.34% | 3.04% | 0.87% | 4,309 |
| Q2 2025 | $76.7M | $63.3M | $36.1M | $13.1M | $108K | 0.28% | 2.96% | 1.07% | 4,313 |
| Q1 2025 | $75.8M | $62.8M | $35.9M | $13.3M | $68K | 0.36% | 2.87% | 0.73% | 4,385 |
| Q4 2024 | $73.6M | $60.9M | $35.4M | $13.3M | $336K | 0.46% | 2.84% | 1.33% | 4,454 |
| Q3 2024 | $72.6M | $59.9M | $35.5M | $13.1M | $181K | 0.33% | 2.84% | 1.39% | 4,474 |
| Q2 2024 | $70.3M | $58.5M | $34.9M | $12.9M | $13K | 0.04% | 2.84% | 1.21% | 4,454 |
Loan mix (Q1 2026): real estate $18.8M · commercial $0 · consumer $19.0M · securities $28.9M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.09% | 0.60% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -6.7% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.83% | 21th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 81.5% | 50th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
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