Side-by-side · Q2 2026 data
Postal & Community Credit Union vs St. Joseph Teachers' Credit Union
Credit union
Postal & Community Credit Union
Saint Joseph, Missouri · Under $100 million in assets
Credit union
St. Joseph Teachers' Credit Union
Saint Joseph, Missouri · Under $100 million in assets
Metric by metric
| Measure | Postal & Community Credit Union | St. Joseph Teachers' Credit Union |
|---|---|---|
| TellerScore | 69 | 78 (stronger) |
| Capital cushion | 49 | 59 (stronger) |
| Loan quality | 87 | 90 (stronger) |
| Earnings | 62 | 64 (stronger) |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 38th | 59th |
| Total assets | $94.7M | $8.7M |
| Deposits / shares | $85.4M | $8.0M |
| Capital ratio | 9.86% | 10.90% (stronger) |
| Problem loans | 0.38% | 0.29% (stronger) |
| Net charge-offs | 0.41% | 0.00% (stronger) |
| Return on assets | 1.05% | 1.11% (stronger) |
| Loans ÷ deposits | 87.1% | 34.5% (stronger) |
| Uninsured deposits | 7.9% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Joseph Teachers' Credit Union has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Postal & Community Credit Union leads on 0 and St. Joseph Teachers' Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.