TellerScore

Postcity Financial Credit Union (NCUA charter #86063) is based in Long Beach, California. Its Q2 2026 call report shows $78.8M in total assets and $69.2M in member shares and deposits and 3 offices.

Postcity Financial Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 59% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 73rd. Funding & liquidity contributes the most (100/100, 51% loans-to-deposits, 0% uninsured); earnings contributes the least (39/100, 0.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.39%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.27%
Earnings39/100
Return on assets (annualized): 0.47%
Funding & liquidity100/100
Loans ÷ shares: 50.9% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.98%

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 8 points (70 → 78), mostly because the loan quality component improved by 17 points.

TellerScore
667278Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202466
Q4 202468
Q1 202568
Q2 202570
Q3 202570
Q4 202576
Q1 202676
Q2 202678
Net worth ratio
7.00%9.78%12.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.55%
Q3 202412.19%
Q4 202412.04%
Q1 202512.23%
Q2 202512.16%
Q3 202512.39%
Q4 202512.44%
Q1 202612.32%
Q2 202612.39%
Delinquent loans (60+ days)
0.18%0.62%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.51%
Q3 20241.05%
Q4 20240.80%
Q1 20250.94%
Q2 20250.79%
Q3 20250.94%
Q4 20250.18%
Q1 20260.18%
Q2 20260.27%
Return on assets
-0.00%0.23%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.09%
Q3 2024-0.00%
Q4 20240.00%
Q1 20250.05%
Q2 20250.21%
Q3 20250.31%
Q4 20250.19%
Q1 20260.22%
Q2 20260.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$78.8M12.39%0.27%0.47%50.9%
Q1 202676$78.2M12.32%0.18%0.22%50.6%
Q4 202576$77.1M12.44%0.18%0.19%51.9%
Q3 202570$77.6M12.39%0.94%0.31%49.4%
Q2 202570$78.3M12.16%0.79%0.21%47.4%
Q1 202568$77.4M12.23%0.94%0.05%45.2%
Q4 202468$78.5M12.04%0.80%0.00%46.0%
Q3 202466$77.5M12.19%1.05%-0.00%43.9%
Q2 202473$75.5M12.55%0.51%0.09%43.3%

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 ratio12.39%
34th
Problem loans0.27%
70th
Net charge-offs0.20%
48th
Return on assets0.47%
40th
Loans to deposits50.9%
62nd
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio1.0%
66th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Sonoma Federal Credit UnionCredit union Santa Rosa, CA83 out of 100, Strong$80.0M13.5%0.63%vs
Bay Cities Credit UnionCredit union Hayward, CA77 out of 100, Strong$77.6M12.7%0.86%vs
Cal State L.A. Federal Credit UnionCredit union Los Angeles, CA61 out of 100, Moderate$80.2M9.0%0.53%vs
Nikkei Credit UnionCredit union Gardena, CA53 out of 100, Below average$81.5M14.2%2.69%vs
Valley Oak Credit UnionCredit union Three Rivers, CA49 out of 100, Below average$82.2M6.8%0.71%vs
California Community Credit UnionCredit union Sacramento, CA79 out of 100, Strong$82.5M12.2%0.07%vs

Deposit insurance

Is my money safe at Postcity Financial Credit Union?

Postcity Financial Credit Union 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 12.39%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Postcity Financial Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Postcity Financial Credit Union
Type
Non-federally insured state credit union
NCUA charter #
86063
RSSD ID
448590
Primary regulator
State + NCUA
Established
1933
Headquarters
P.O. Box 91643, Long Beach, CA 90809
Employees
12

Quick answers

Postcity Financial Credit Union: common questions

Is Postcity Financial Credit Union NCUA insured?

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

What is Postcity Financial Credit Union's TellerScore?

78 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 Postcity Financial Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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