Side-by-side · Q2 2026 data
Multi-States Credit Union vs Postal & Community Credit Union
Credit union
Postal & Community Credit Union
Saint Joseph, Missouri · Under $100 million in assets
Metric by metric
| Measure | Multi-States Credit Union | Postal & Community Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 69 |
| Capital cushion | 75 (stronger) | 49 |
| Loan quality | 88 (stronger) | 87 |
| Earnings | 65 (stronger) | 62 |
| Funding & liquidity | 71 | 73 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 59th | 38th |
| Total assets | $90.9M | $94.7M |
| Deposits / shares | $78.9M | $85.4M |
| Capital ratio | 12.46% (stronger) | 9.86% |
| Problem loans | 0.36% (stronger) | 0.38% |
| Net charge-offs | 0.01% (stronger) | 0.41% |
| Return on assets | 1.13% (stronger) | 1.05% |
| Loans ÷ deposits | 89.4% | 87.1% (stronger) |
| Uninsured deposits | 2.7% (stronger) | 7.9% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Multi-States Credit Union has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Multi-States Credit Union leads on 6 and Postal & Community Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.