TellerScore

Headquartered in Cincinnati, Ohio, Postal Family Credit Union, Inc. is a non-federally insured state credit union with $66.2M in total assets and $53.7M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1932.

Based on its Q2 2026 filing, Postal Family Credit Union, Inc. scores 79/100, which we describe as strong. That is higher than 62% of 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 58th. Its strongest component is capital cushion (100/100; 18.10%), and its lowest is loan quality (52/100; 1.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.10%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.44%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity95/100
Loans ÷ shares: 65.4% · 0.0% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.21%

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 fell 11 points (90 → 79), mostly because the loan quality component weakened by 45 points.

TellerScore
768390Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202487
Q4 202486
Q1 202588
Q2 202590
Q3 202586
Q4 202587
Q1 202676
Q2 202679
Net worth ratio
7.00%12.55%18.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.71%
Q3 202417.25%
Q4 202417.23%
Q1 202516.69%
Q2 202517.07%
Q3 202517.67%
Q4 202517.70%
Q1 202617.74%
Q2 202618.10%
Delinquent loans (60+ days)
0.10%0.82%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.32%
Q4 20240.49%
Q1 20250.32%
Q2 20250.10%
Q3 20250.65%
Q4 20250.41%
Q1 20261.54%
Q2 20261.44%
Return on assets
0.78%0.97%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.94%
Q4 20240.91%
Q1 20251.00%
Q2 20250.96%
Q3 20251.15%
Q4 20251.04%
Q1 20260.80%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$66.2M18.10%1.44%1.02%65.4%
Q1 202676$66.4M17.74%1.54%0.80%65.4%
Q4 202587$65.8M17.70%0.41%1.04%68.2%
Q3 202586$65.7M17.67%0.65%1.15%68.5%
Q2 202590$66.5M17.07%0.10%0.96%64.8%
Q1 202588$67.2M16.69%0.32%1.00%64.9%
Q4 202486$64.1M17.23%0.49%0.91%69.4%
Q3 202487$63.7M17.25%0.32%0.94%70.6%
Q2 202486$64.5M16.71%0.35%0.78%69.9%

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 ratio18.10%
70th
Problem loans1.44%
29th
Net charge-offs0.04%
64th
Return on assets1.02%
68th
Loans to deposits65.4%
40th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio4.2%
34th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Southeastern Ohio Credit UnionCredit union Cambridge, OH78 out of 100, Strong$65.4M12.1%1.03%vs
St. Josephs Canton Parish Federal Credit UnionCredit union Canton, OH78 out of 100, Strong$65.1M11.3%0.36%vs
Toledo Metro Federal Credit UnionCredit union Toledo, OH65 out of 100, Moderate$64.1M8.8%0.43%vs
Educational Community Alliance Credit UnionCredit union Toledo, OH77 out of 100, Strong$68.9M11.3%0.14%vs
Topmark Federal Credit UnionCredit union Cridersville, OH56 out of 100, Moderate$62.6M10.2%1.60%vs
Millstream Area Credit UnionCredit union Findlay, OH82 out of 100, Strong$70.8M12.6%0.66%vs

Deposit insurance

Is my money safe at Postal Family Credit Union, Inc.?

Postal Family Credit Union, Inc. files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 18.10%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Postal Family Credit Union, Inc. lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Postal Family Credit Union, Inc.
Type
Non-federally insured state credit union
NCUA charter #
97079
RSSD ID
966991
Primary regulator
State + NCUA
Established
1932
Headquarters
P O Box 14403, Cincinnati, OH 45250
Employees
11

Quick answers

Postal Family Credit Union, Inc.: common questions

Is Postal Family Credit Union, Inc. NCUA insured?

Postal Family Credit Union, Inc. files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Postal Family Credit Union, Inc.'s TellerScore?

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

How many branches does Postal Family Credit Union, Inc. have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cincinnati

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH92 out of 100, Very strong$30.8M18.2%0.82%vs
Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH91 out of 100, Very strong$46.8M20.3%0.52%vs
Northern Kentucky Federal Credit UnionCredit union Highland Height, KY91 out of 100, Very strong$43.1M14.0%0.29%vs
Deca Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$7.6M18.9%0.45%vs
St. James Parish Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$5.9M21.8%0.00%vs