# U S POSTAL SERVICE
CLINTON, MD · NCUA charter 16402 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/u-s-postal-service-16402

Who the members are: federal charter, multiple common bond, organized 1934, low-income designated. 25,317 members of 73,000 potential (34.7% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $286.3M |
| Members | 25,317 (-12.3% YoY) |
| Full-time staff | 47 |
| Net worth | $30.0M |
| Net worth ratio | 10.5% (p38 of band) |
| ROA (annualized) | 0.12% (p11 of band) |
| Total delinquency | 0.76% (p64 of band) |
| Net charge-offs (annualized) | 0.27% (p37 of band) |
| Loans / shares | 74% (p49 of band) |
| Cash / assets | 16.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.08% (p20 of band) |
| Operating expense / assets | 3.73% (p51 of band) |
| Vehicles % of loans | 25% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 43% |
| Third-party paper % of net worth | 69% (p47 of band) |
| Vehicle delinquency | 0.57% (p50 of band) |
| Vehicle NCO | 0.94% (p67 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 23% |
| Average share balance | $5,817 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $44.7M |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $23,981 |
| Loans granted, annualized | $34.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $44.7M outstanding purchased (149.0% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 2.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | delinquency 2x band |
| 2017-03 | 2 | net worth falling, charge-offs p90 |  |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 2 | 3rd-party paper>100% NW |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency 2x band |  |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 1 |  | delinquency 2x band |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | losing money |  |
| 2021-03 | 5 | net worth falling, margin squeeze, delinquency 2x band, loan book shrinking | losing money |
| 2021-06 | 1 |  | net worth falling, margin squeeze, delinquency 2x band, loan book shrinking |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | delinquency 2x band |  |
| 2022-03 | 3 | assets shrinking |  |
| 2022-06 | 4 | delinquency rising, loans>95% of shares | assets shrinking |
| 2022-09 | 5 | leaning on borrowings |  |
| 2022-12 | 3 |  | delinquency rising, leaning on borrowings |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 | assets shrinking | delinquency 2x band |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 2 | delinquency 2x band | loans>95% of shares |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | delinquency 2x band |
| 2024-12 | 2 | losing money |  |
| 2025-03 | 2 | net worth falling, loan book shrinking | 3rd-party paper>100% NW, losing money |
| 2025-06 | 1 | members leaving | net worth falling, loan book shrinking |
| 2025-09 | 2 | loan book shrinking |  |
| 2025-12 | 2 | net worth falling | loan book shrinking |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-13 [Mr. Ronald Earl Roberts Obituary Mar 15, 2014 - Shives Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTFBRNGd0Vk1KRncteDQxNV83ZFlkVnBQbkR4REZMLWY0ejk3TDdPU0pBQlE1LTNvNlNoZndBSDFIOUgydDNpc0dSc0RkWXZGT05iZVJkT1J2VGVCc0dIeXZ4dnZ0eGswbTN5Yy1Z?oc=5) · Shives Funeral Home
- 2021-11-11 [Daniel Monroe Durham Obituary November 11, 2021 - Flora Funeral Service](https://news.google.com/rss/articles/CBMibEFVX3lxTE1PckJreHcxWE82RGFDT3hiN0ZDTFNwQ2l1WVN2NVFKcHA5WE9zZmZ3dG1aaVVaMElmZ0QwajFSWWJSSUl1NWZjaWlXVWg3VG4xSm1NRm5TYlUxNkd3aFlCaWNQU25QeDlXVWlibg?oc=5) · Flora Funeral Service
- 2026-09-06 [Elmer Sparagna Obituary (2009) - Utica, NY - The Observer-Dispatch - Syracuse.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPTmpRRTI5LTZkRWxIeVdRNGROcnppQVhNYTdSY2tmWDh6dkxoUXExNWNEcnlIdUNuQzQ1enFFR1l4TnJpT0tjZHpNbTR3OGZ4MUdjREVhTjFWdlNLa2RhUW50OXVRYmtnallHdDNfQ1htMF8yOTdtQUhsUWZUbXY5bTkwX0w0alFhN1JUU3lZU3pWRVE?oc=5) · Syracuse.com
- 2014-03-22 [Robert L. Ruth Obituary Mar 22, 2014 - Harris Funeral Home | Johnstown, PA](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5fYnY3OEFjNk50cGNXTjZESTJOcXZES3FHVm5mMk1FTUFKbVNxb1NXUDVQWUt1bVBTSUNlWDJoS1VGZ1pRczZQSV9fQ3BtWDNTU3BYRm01U3RLMGRuczlCVzRhZV9JMUVa?oc=5) · Harris Funeral Home | Johnstown, PA
- 2011-06-05 [The postal service is running out of options - NBC News](https://news.google.com/rss/articles/CBMiUEFVX3lxTE9KMXNmS0R0MVZ0X0VWMlVMVE1XT0JvREMxWXZKLW45MTJHeXNkM2piQXRLZkZSRTRrSkhLeEptR2N5ZUVpNW9mbEgxYzg1bUxQ?oc=5) · NBC News
- 2026-05-21 [Maryland postal worker pleads to stealing checks from mail - The Herald-Mail](https://news.google.com/rss/articles/CBMixwFBVV95cUxPTXB5bFk1OFFMV3dSQ0hGaEFObmJLdGJ0NS1GRTF3ZlhuVV9nQjJVcFNPemJsNXozVGxwM3BjOGpxNDl1RDNNdFp2Z2JZX2xTZjhwYXlqdXktVEJjYjU5Y1RLNlFQV1RNYkttVkVQRk1Telh6UnlMVXUxRWpueHI2Tm1Xbmg3X1ZralRxRW5wN2ZHU0VnSnNDdmxreU1VWWk4ZENab3VRVHQyWWMzYS1tenR5c241ZWpLMFVyaFVNUThtUHlMRjJj?oc=5) · The Herald-Mail
- 2024-01-23 [5 people in Prince George’s Co. accused of stealing more than $5M in checks from mail - WTOP News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNVEp3WXZ6Y1AxMk52WEZxaEZMODN3QjBOdEV5cEc0RVNhQjdfTUZqR19tMXRnand0M1ZQb0FPV3BRbllvMndDUEhQcm1TNjNrZlN2TTRXUGNWSFBhQ2ZKNU04OXFZMGhBWEZpSC1qb0RzYTVERWNrV0MtZmg5YnNPZERZSjNBcVltUENVcXNzZkZHS2Q1cE1wQ3p6bHZicko4dTlTUG9tRFhFbXRFYVdrc1p4NzNpdm5t?oc=5) · WTOP News
- 2005-04-09 [Obituaries - The Washington Post](https://news.google.com/rss/articles/CBMipwFBVV95cUxOOVlVZHZoRWkzYklYelZObV9ZRmVfMHhpQXczOFhSdWFPdXZjRldTcmQxWTRqU3FTWVkzZzdNZFFpYTZrRUNxdHB0ZFJRa1paN0ZjVERxVUFtRUdER2hoSzR4U2RnODVfSUlmaXFKc3VwTWNrX1dMRDlGLWxoRUYtNlB1SjJhdzlGa0JHeTlmX1I4dXVvUzZEcVNZcmhfY0cxbXdtaHY3UQ?oc=5) · The Washington Post

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16402 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/18.json (key "16402", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=16402
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide