Post Office CU Of Md, Inc. Credit Union
Total assets
$29.3M
▲ +4.2% YoY
Shares & deposits
$20.6M
▼ -2.0% YoY
Loans
$22.3M
▲ +45.6% YoY
Members
3,006
▲ +12.6% YoY
ROA (annualized)
0.22%
peers 0.60%
ROE (annualized)
0.91%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +1.3% | +2.9 pts |
| Share growth (YoY) | -2.0% | +0.7% | -2.7 pts |
| Loan growth (YoY) | +45.6% | -2.4% | +47.9 pts |
| ROA | 0.22% | 0.60% | -0.4 pts |
| ROE | 0.9% | 4.1% | -3.2 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
Profile
- Established
- —
- Charter
- NFICU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 900 E Fayette St Rm 606, Baltimore, MD, 21233
- NCUA charter #
- 95742
- RSSD ID
- 220394
- 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 | $29.3M | $20.6M | $22.3M | $7.1M | $16K | 0.22% | 4.13% | 1.43% | 3,006 |
| Q4 2025 | $28.2M | $19.5M | $20.9M | $7.1M | $-30K | -0.11% | 4.18% | 1.23% | 2,960 |
| Q3 2025 | $27.8M | $20.6M | $17.3M | $7.1M | $28K | 0.14% | 2.60% | 1.69% | 2,776 |
| Q2 2025 | $27.8M | $20.6M | $17.3M | $7.1M | $28K | 0.20% | 3.90% | 1.69% | 2,776 |
| Q1 2025 | $28.1M | $21.0M | $15.3M | $7.1M | $14K | 0.19% | 3.49% | 1.98% | 2,669 |
| Q4 2024 | $28.1M | $21.0M | $13.8M | $7.1M | $-177K | -0.63% | 2.69% | 1.52% | 2,593 |
| Q3 2024 | $28.4M | $21.3M | $12.2M | $7.1M | $-165K | -0.77% | 2.43% | 0.55% | 2,463 |
| Q2 2024 | $28.7M | $21.5M | $10.9M | $7.1M | $-122K | -0.85% | 2.15% | 0.85% | 2,420 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $22.2M · securities $4.2M
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 | 0.22% | 0.60% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.83% | 64th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.6% | 81.5% | 74th | |
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.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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