TellerScore

Headquartered in Lexington, Kentucky, Lexington Postal Community Credit Union is a federally insured state-chartered credit union with $27.2M in total assets and $24.4M in member shares and deposits as of Q2 2026. Its charter dates back to 1928.

Based on its Q2 2026 filing, Lexington Postal Community Credit Union scores 68/100, which we describe as moderate. That is higher than only 36% of 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 35th. Its strongest component is funding & liquidity (100/100; 52% loans-to-deposits, 4% uninsured), and its lowest is earnings (30/100; 0.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.53%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.22%
Earnings30/100
Return on assets (annualized): 0.25%
Funding & liquidity100/100
Loans ÷ shares: 51.6% · 3.8% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.07%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (65 → 68), mostly because the earnings component improved by 5 points.

TellerScore
626568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202468
Q1 202564
Q2 202565
Q3 202566
Q4 202564
Q1 202662
Q2 202668
Net worth ratio
7.00%8.33%9.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.41%
Q3 20249.52%
Q4 20249.65%
Q1 20259.31%
Q2 20259.37%
Q3 20259.26%
Q4 20259.67%
Q1 20269.24%
Q2 20269.53%
Delinquent loans (60+ days)
0.17%0.42%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.27%
Q3 20240.20%
Q4 20240.17%
Q1 20250.47%
Q2 20250.31%
Q3 20250.28%
Q4 20250.54%
Q1 20260.67%
Q2 20260.22%
Return on assets
0.12%0.22%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.31%
Q3 20240.28%
Q4 20240.24%
Q1 20250.16%
Q2 20250.12%
Q3 20250.16%
Q4 20250.18%
Q1 20260.15%
Q2 20260.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$27.2M9.53%0.22%0.25%51.6%
Q1 202662$27.7M9.24%0.67%0.15%52.1%
Q4 202564$26.4M9.67%0.54%0.18%57.6%
Q3 202566$27.7M9.26%0.28%0.16%50.8%
Q2 202565$27.3M9.37%0.31%0.12%52.3%
Q1 202564$27.3M9.31%0.47%0.16%53.1%
Q4 202468$26.2M9.65%0.17%0.24%56.1%
Q3 202468$26.8M9.52%0.20%0.28%54.5%
Q2 202467$27.0M9.41%0.27%0.31%54.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.53%
13th
Problem loans0.22%
73rd
Net charge-offs0.15%
52nd
Return on assets0.25%
29th
Loans to deposits51.6%
61st
Uninsured deposits3.8%
30th
Loan-loss reserves0.00%
37th
Texas ratio1.1%
65th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Labor Management Federal Credit UnionCredit union Lewisport, KY70 out of 100, Strong$28.4M14.8%1.88%vs
Your Hometown Federal Credit UnionCredit union Mayfield, KY47 out of 100, Below average$25.6M9.3%1.75%vs
Main Impact Federal Credit UnionCredit union Murray, KY74 out of 100, Strong$23.3M10.5%0.03%vs
K I T Federal Credit UnionCredit union Louisville, KY76 out of 100, Strong$23.1M11.9%0.35%vs
Arh Federal Credit UnionCredit union Middlesboro, KY79 out of 100, Strong$19.9M26.9%1.32%vs
Audubon Federal Credit UnionCredit union Owensboro, KY63 out of 100, Moderate$34.4M9.0%1.00%vs

Deposit insurance

Is my money safe at Lexington Postal Community Credit Union?

Yes. Lexington Postal Community Credit Union is a federally insured credit union (NCUA charter #62370). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.8% of shares and deposits ($919K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.53%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Lexington Postal Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62370
RSSD ID
658791
Primary regulator
State + NCUA
Established
1928
Headquarters
124 Louie Pl, Lexington, KY 40511
Employees
7

Quick answers

Lexington Postal Community Credit Union: common questions

Is Lexington Postal Community Credit Union NCUA insured?

Yes. Lexington Postal Community Credit Union is a federally insured credit union (NCUA charter #62370). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Lexington Postal Community Credit Union's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.