TellerScore

Headquartered in Fargo, North Dakota, Postal Family Federal Credit Union is a federal credit union with $30.2M in total assets and $27.1M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1936.

Postal Family Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than only 49% of its 2,479 credit unions with under $100 million in assets. Among 29 credit unions headquartered in North Dakota, it ranks 14th. Funding & liquidity contributes the most (100/100, 32% loans-to-deposits, 3% uninsured); earnings contributes the least (47/100, 0.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Net worth ratio: 10.52%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.19%
Earnings47/100
Return on assets (annualized): 0.69%
Funding & liquidity100/100
Loans ÷ shares: 31.6% · 3.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.50%

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 6 points (68 → 74), mostly because the loan quality component improved by 23 points.

TellerScore
657278Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202478
Q3 202471
Q4 202465
Q1 202567
Q2 202568
Q3 202566
Q4 202573
Q1 202671
Q2 202674
Net worth ratio
7.00%9.05%11.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.84%
Q3 202411.10%
Q4 202410.40%
Q1 202510.33%
Q2 202510.29%
Q3 202510.40%
Q4 202510.44%
Q1 202610.41%
Q2 202610.52%
Delinquent loans (60+ days)
0.11%0.65%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.29%
Q3 20241.06%
Q4 20240.94%
Q1 20251.02%
Q2 20250.87%
Q3 20251.18%
Q4 20250.29%
Q1 20260.11%
Q2 20260.19%
Return on assets
0.21%0.68%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.15%
Q3 20241.03%
Q4 20240.45%
Q1 20250.84%
Q2 20250.76%
Q3 20250.85%
Q4 20250.63%
Q1 20260.21%
Q2 20260.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$30.2M10.52%0.19%0.69%31.6%
Q1 202671$29.7M10.41%0.11%0.21%33.3%
Q4 202573$29.5M10.44%0.29%0.63%35.9%
Q3 202566$29.9M10.40%1.18%0.85%37.1%
Q2 202568$29.3M10.29%0.87%0.76%40.3%
Q1 202567$28.5M10.33%1.02%0.84%41.2%
Q4 202465$27.8M10.40%0.94%0.45%44.0%
Q3 202471$26.8M11.10%1.06%1.03%44.4%
Q2 202478$26.9M10.84%0.29%1.15%44.0%

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 ratio10.52%
20th
Problem loans0.19%
74th
Net charge-offs0.42%
31st
Return on assets0.69%
52nd
Loans to deposits31.6%
87th
Uninsured deposits3.0%
36th
Loan-loss reserves0.00%
37th
Texas ratio0.5%
75th

Similar-size credit unions in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Riverfork Federal Credit UnionCredit union Grand Forks, ND78 out of 100, Strong$31.2M13.9%0.70%vs
Area Community Credit UnionCredit union Grand Forks, ND72 out of 100, Strong$27.7M18.8%1.54%vs
Lamoure Credit UnionCredit union Lamoure, ND98 out of 100, Very strong$38.8M18.9%0.00%vs
Northern Valley Federal Credit UnionCredit union Grand Forks, ND84 out of 100, Strong$20.3M13.3%0.04%vs
Med Park Credit UnionCredit union Grand Forks, ND86 out of 100, Very strong$18.1M16.5%0.04%vs
Minot Area Schools Federal Credit UnionCredit union Minot, ND69 out of 100, Moderate$14.8M9.0%0.06%vs

Deposit insurance

Is my money safe at Postal Family Federal Credit Union?

Yes. Postal Family Federal Credit Union is a federally insured credit union (NCUA charter #951). 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 3.0% of shares and deposits ($805K) 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 10.52%, 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 Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Postal Family Federal Credit Union
Type
Federal credit union
NCUA charter #
951
RSSD ID
816470
Primary regulator
NCUA
Established
1936
Headquarters
2730 12th Ave S, Po Box 9318, Fargo, ND 58106
Employees
8

Quick answers

Postal Family Federal Credit Union: common questions

Is Postal Family Federal Credit Union NCUA insured?

Yes. Postal Family Federal Credit Union is a federally insured credit union (NCUA charter #951). 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 Postal Family Federal Credit Union's TellerScore?

74 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 Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fargo

InstitutionScoreAssetsCapitalProblem loansCompare
Fargo VA Federal Credit UnionCredit union Fargo, ND84 out of 100, Strong$14.1M12.6%0.00%vs
Valley Premier BankBank Hawley, MN81 out of 100, Strong$141.0M11.1%0.00%vs
Fargo Public Schools Federal Credit UnionCredit union Fargo, ND80 out of 100, Strong$58.2M12.2%0.01%vs
F.F.E. Federal Credit UnionCredit union Fargo, ND79 out of 100, Strong$3.8M13.5%0.00%vs
First United BankBank Park River, ND78 out of 100, Strong$810.8M10.1%0.01%vs
Western State BankBank Devils Lake, ND78 out of 100, Strong$2.5B13.2%0.90%vs