# POSTAL
BATON ROUGE, LA · NCUA charter 62148 · asset band <$50M · latest filing 2025-06 · stopped filing after 2025-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/postal-62148

Who the members are: state charter, organized 1931. 1,900 members of 5,000 potential (38.0% of the field); checking penetration 27% (share draft accounts per 100 members); loans per 100 members 25.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $16.9M |
| Members | 1,900 (-9.8% YoY) |
| Full-time staff | 4 |
| Net worth | $2.8M |
| Net worth ratio | 16.9% (p62 of band) |
| ROA (annualized) | -16.66% (p0 of band) |
| Total delinquency | 1.34% (p66 of band) |
| Net charge-offs (annualized) | 0.95% (p84 of band) |
| Loans / shares | 70% (p63 of band) |
| Cash / assets | 38.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.40% (p68 of band) |
| Operating expense / assets | 19.02% (p99 of band) |
| Vehicles % of loans | 32% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 3.55% (p89 of band) |
| Vehicle NCO | 2.13% (p94 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 3% |
| Average share balance | $5,402 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $20,679 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 3 | net worth falling, losing money, delinquency 2x band |  |
| 2016-12 | 3 | repo signal | losing money |
| 2017-03 | 4 | losing money, delinquency rising | net worth falling |
| 2017-06 | 2 |  | repo signal, losing money |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 3 | losing money, assets shrinking |  |
| 2018-03 | 4 | repo signal |  |
| 2018-06 | 4 | charge-offs p90 | repo signal |
| 2018-09 | 5 | delinquency rising |  |
| 2018-12 | 4 | repo signal | charge-offs p90, delinquency rising |
| 2019-03 | 6 | delinquency rising, charge-offs p90 |  |
| 2019-06 | 4 |  | delinquency 2x band, delinquency rising |
| 2019-09 | 5 | delinquency 2x band, members leaving | repo signal |
| 2019-12 | 5 |  |  |
| 2020-03 | 4 | loan book shrinking | charge-offs p90, delinquency 2x band |
| 2020-06 | 4 | delinquency 2x band, delinquency rising | losing money, assets shrinking |
| 2020-09 | 5 | margin squeeze |  |
| 2020-12 | 4 |  | delinquency rising |
| 2021-03 | 5 | losing money |  |
| 2021-06 | 4 |  | members leaving |
| 2021-09 | 5 | members leaving |  |
| 2021-12 | 5 | delinquency rising | loan book shrinking |
| 2022-03 | 3 | net worth falling | margin squeeze, members leaving, delinquency rising |
| 2022-06 | 4 | assets shrinking, members leaving | net worth falling |
| 2022-09 | 3 |  | members leaving |
| 2022-12 | 2 |  | delinquency 2x band |
| 2023-03 | 3 | members leaving |  |
| 2023-06 | 3 | delinquency 2x band | losing money |
| 2023-09 | 5 | losing money, delinquency rising |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 | charge-offs p90 | delinquency 2x band |
| 2024-06 | 4 |  | delinquency rising |
| 2024-09 | 4 |  |  |
| 2024-12 | 6 | delinquency 2x band, loan book shrinking |  |
| 2025-03 | 6 | delinquency rising | charge-offs p90 |
| 2025-06 | 7 | net worth falling, expense trap | delinquency 2x band |

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

- 2026-07-31 [Qualifying opens Aug. 5 for Concordia Parish and Louisiana Nov. 3 elections - The Natchez Democrat](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQVWJYUFUxVVpjNll6NjdZYTRLdVN4YkNDWFNvbXJXdld3WTZsYTIyeDRHLXhHZ1hGN3ViY2l3T3VZWEEySFNoUHk4Q2VVQjNBZDc5QnktLVRkeC0xYi1vV0ZYLXpOb3IxZlRPdmxMT1NKVlA2SUtoWkhocTNuV21tejMxSXBCa3pjaUNJLVJMYVZLdjlDa0FCSnktbGVVVnJ5T3VZUVV0VElMd3VXRjVFTmtZQU81NzhyWHB3?oc=5) · The Natchez Democrat
- 2026-04-01 [NC’s Fidelity Bank to get Atlanta foothold with $142.8M Affinity deal - Banking Dive](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPdlJoSFRJSXpRVk9VTUM2QU5pa2VLdFdvaWY1S25mc0lHQUpNZHA5M2xMODh3VVg4NjZ2WnFLMUc4bHg1Z2xONnZIVVhTSlpIcWJJalAyUHQ1Q2xTbFpPdjZFb2ZkVTB2N2tfNGtyNzhZeE5QblYtckpXenZhZ256Qi0zbWpFbnVEcmVrNTRxQmZuNHJYTmJCcXFLQ3BSNFEtTDRGMkllSTRyejVid2pxT25kcTJkLWo2cDVfSXdjZ0R4b1daLTR1M2ltQ09IX2Roc1RBZw?oc=5) · Banking Dive
- 2024-11-08 [Monthly Bulletin – October 2024 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMifkFVX3lxTE9rUmxRZy15NVFOMGhmOHBGLXV0MHY4Vm16MnB1MHhjWWhZdjV5S3FUbnV6WFBGZGY3VkJ2eFVyNEZwazB3VTFjQlJfbGc3WHRlVkRfek9Vclk1Sk14eU9xYWZEMGJfUzM1U1U5ZFYzR2t0ZFVIR0Q0QmE1Q0xDUQ?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2020-08-26 [Shreveport, La.-based postal credit union rebrands - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxNMEx6MXdwN0plZ3NJeERtS3JwMGV3ZEJ1VHYtVEVSeE1IRGhrM3B6c083bDQ4VldrZHdUSDJicmZGOWxJQ0p6a0Jnb041ZjRFOXdLWjdteXBxUFVvSU1oS2lVU0RyTzRrX1hscnYyMW1yejlwdXhLUllaeVQzYjVqTUhNaWNCWnZQcC0wRUFLNGxDTHNwcGVUWGNyOXVPdw?oc=5) · American Banker
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2024-05-30 [Atlanta Postal CU Latest to Announce It Plans to Acquire Bank - cutoday.info](https://news.google.com/rss/articles/CBMinwFBVV95cUxORFgtUm5ZZU9VWWhxSlRrZVM3cVl0WGtCZmExVllfM0VfRGtBLVdISW92QVJNaGR6WFcwM2dSSmJ0blZCNUZjVzJCQnhCQXJqY1lBVmxxeENfZFE1SFVSemw2X2JFRExReTRkUXc5TEpwWkZCempqZVNxR0NZTGQzdjVZbFk1NExwRHFTdklNWWgza1puczhGZWI1ZGdVUjg?oc=5) · cutoday.info
- 2025-08-29 [NCUA Bans Former Wisconsin CEO, Louisiana Head Teller for Alleged $1.7 Million Theft - CUTimes](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNM1pNeW5nNTZMS2VhWWdMQ003N2dhTTgtN05NSkpZOWVxT2pnVFFSN1hHakJmd2tGUGVqNlhGNldMX0VrU3NubHBJWEtVT2d5a0NrR01EUGdZUDh0TGRzc3U4d1NqVTJBVWJyQmp5TU04b2FYZlZpVlVGSElkSzkxRE1HZWNMcTh5Mmt4UHBwRS1BWVkyNUJIZ29jb21OZlU2ZklaY3Q3aU5LaTM4TG9odDFKcW1MYU5F?oc=5) · CUTimes
- 2023-12-19 [Essential Credit Union and Priority Postal Credit Union announce merger - WBRZ](https://news.google.com/rss/articles/CBMinwFBVV95cUxPZ3B1ZmRkYjEyNVFxV0gxNW9JY0hmNnRyNlNfalhzc194ZVhPdUxMdWxfRGlHS2szVllUT3AyQVJhQllPNHJkS1hxTU55QnItQWhxcXN2QlJLelFpZzBfNWlEMjJyajZxczFoSkN1TGtIbk9DaFpEblNKYUVhUms1TGwzaDBRNUQxandtNmlqc3lIQWE2NjZxM1M0ejQ2YlE?oc=5) · WBRZ

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62148 (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/4.json (key "62148", 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=62148
- 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