U S Postal Service Federal Credit Union
Total assets
$286.3M
▲ +2.4% YoY
Shares & deposits
$255.6M
▲ +2.7% YoY
Loans
$190.2M
▼ -1.4% YoY
Members
25,317
▼ -12.3% YoY
ROA (annualized)
0.12%
peers 0.69%
ROE (annualized)
1.15%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +3.9% | -1.5 pts |
| Share growth (YoY) | +2.8% | +3.3% | -0.5 pts |
| Loan growth (YoY) | -1.4% | +2.9% | -4.4 pts |
| ROA | 0.12% | 0.69% | -0.6 pts |
| ROE | 1.1% | 5.9% | -4.8 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
Profile
- Established
- 1934
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 7905 Malcolm Road, Suite 311, Clinton, MD, 20735
- NCUA charter #
- 16402
- RSSD ID
- 939285
- 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 | $286.3M | $255.6M | $190.2M | $30.0M | $86K | 0.12% | 3.08% | 0.76% | 25,317 |
| Q4 2025 | $283.8M | $252.5M | $194.4M | $30.0M | $282K | 0.10% | 3.12% | 0.66% | 25,185 |
| Q3 2025 | $280.9M | $249.5M | $186.6M | $30.1M | $423K | 0.20% | 3.14% | 0.74% | 25,186 |
| Q2 2025 | $278.8M | $247.5M | $190.8M | $30.1M | $410K | 0.29% | 3.12% | 1.07% | 25,324 |
| Q1 2025 | $279.6M | $248.8M | $193.0M | $29.8M | $181K | 0.26% | 3.01% | 0.81% | 28,861 |
| Q4 2024 | $269.2M | $238.5M | $200.6M | $29.7M | $-679K | -0.25% | 3.27% | 0.79% | 28,603 |
| Q3 2024 | $268.7M | $228.7M | $207.5M | $30.4M | $97K | 0.05% | 3.29% | 1.24% | 28,941 |
| Q2 2024 | $273.7M | $230.8M | $212.0M | $30.6M | $250K | 0.18% | 3.25% | 1.20% | 28,240 |
Loan mix (Q1 2026): real estate $106.3M · commercial $0 · consumer $64.1M · securities $34.8M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.69% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 5.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.62% | 19th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.7% | 78.7% | 90th | |
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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