# POST COMMUNITY
Battle Creek, MI · NCUA charter 62155 · asset band $50-100M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/post-community-62155

Who the members are: state charter, organized 1936. 7,197 members of 739,250 potential (1.0% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $84.8M |
| Members | 7,197 (-2.3% YoY) |
| Full-time staff | 27 |
| Net worth | $10.5M |
| Net worth ratio | 12.4% (p70 of band) |
| ROA (annualized) | 0.64% (p73 of band) |
| Total delinquency | 0.31% (p22 of band) |
| Net charge-offs (annualized) | 0.32% (p49 of band) |
| Loans / shares | 98% (p97 of band) |
| Cash / assets | 7.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.85% (p86 of band) |
| Operating expense / assets | 5.47% (p93 of band) |
| Vehicles % of loans | 13% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p26 of band) |
| Vehicle delinquency | 0.00% (p4 of band) |
| Vehicle NCO | 1.30% (p90 of band) |
| Repossessed % of vehicle book | 0.00% (p35 of band) |
| Real estate % of loans | 79% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 55% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 3% |
| Average share balance | $4,720 |
| Participations bought / yr | $2.0M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $20,331 |
| Loans granted, annualized | $43.4M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | expense trap, loans>95% of shares |  |

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

- 2017-10-04 [Honor Credit Union Completes Merger with Post Community Credit Union - moodyonthemarket.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxNeEZ0VkpjcEpXZFRwMzVrTWlERURWTU5FeGhKMWVNc1ZEdzNHMUswTmVqdTFuSTRwd1R6V2xVVkU0YnZVbkZ3MGFUcXc1X2ljU0M4ZlRIX3ppR3pORDRDT2dzUFliRlZWLUNHOHJUX0JBQU9pZlNfOFNRMm5Rc0xRekh4d2dOMVBNUnZ6eUZ5YWlwMzNfWFVDOU1DYmNsM0VMX2ppeg?oc=5) · moodyonthemarket.com
- 2015-03-04 [Post credit union raising money for new police dog - Battle Creek Enquirer](https://news.google.com/rss/articles/CBMivAFBVV95cUxQLUUzNDJHM1lGQ3MzQ0dKLURrNjNsOHlkcTROUzRTV1FMTkNBNUpJTkJ6aWZuQ054X0dpaC1FVnphZ1FnNFowamptNTBfYTR2QW9GZ1pfVnNqMUE2NmJGZ2VPRWYxb0VJQTgyUWFsNUllQXZNQWxoVlIzajhfUVd6MVBaRXVJQTl1QXVNM1RiYmctMWh4NVY5NjVneGduYnhfdG5fUHRNR1lTUENtNEFTa0NMWHlLY3BDOF92Yg?oc=5) · Battle Creek Enquirer
- 2017-02-28 [Honor Credit Union Acquires Post CU in Battle Creek - moodyonthemarket.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQaUtyZ3B4eFZEcnB5OXI1VVhMbjdMSHJXYkJ2QjNvcElPM043cGxwWmU3ZlJOUjROM09OeGdpYnV0bE5vdk9yY3lqVkM1QnlQOHQzU0hwZXhfeFN1amE2RS03ZDFPRWdRVjZMS1dzTmZNS1A5SUhWZzNpLWl5QlpoZGxrNHktbWtlVkQyS1VB?oc=5) · moodyonthemarket.com
- 2020-12-29 [Vernon Sheppard, Jr. Obituary Dec 29, 2020 - Farley Estes and Dowdle Funeral Directors](https://news.google.com/rss/articles/CBMicEFVX3lxTE02WC1BUWwwSFUzOHZuN1VBcTJZQjNNWjUzeWt5bXhET1BxWGFvTTJHU2c5ZXFqaU5nRHNZaWc1azBqb3dwTldxZ0RsbE4xYjZfeDFOWWpwM21XNTl5OC02eTh4QmtTQTZYNGxIa3JiU2I?oc=5) · Farley Estes and Dowdle Funeral Directors
- 2022-07-19 [Michigan State Police 1st Lt. Yvonne Brantley is on a Mission to Bring Change to Flint - flintside.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5aXzBuc2ZXVERCWi10NG9WN3RnM3BzWW9iYTNnVjl2REpZRmR1Q2Z3dnlmbHEydW9KT2x6WUEyTjB3S3ZjNEFITmdzbkVpX1VYUUpmclUtNWg0TlM0b0E?oc=5) · flintside.com
- 2014-12-10 [A bank robbery up close - Battle Creek Enquirer](https://news.google.com/rss/articles/CBMif0FVX3lxTE05azNZWHJfZXlQZUhvZXI3WHJ1aXJWWUpKcHZVRDFkUTN4OE5HeFdialY5aWNTbk0zcHRXTE80ZmhLUnVlSHR3XzNjekVPVFBiV3RmaW9hY1d5MEhpVWw1T0JuOC1lN0M3M1M2bUp5YlhqR3BfbWVvRjNvUG5Ndnc?oc=5) · Battle Creek Enquirer
- 2011-04-19 [Travis Keathley Obituary (2011) - Battle Creek, MI - Battle Creek Enquirer - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxNaXpQNERTX0RDYlN5UGdVN1dfOWRuTU93SVF3Z21udm9wRDVkVEpEUzZ5Q09wYzJmNHEtQUhTZy1UWjgweWdZODMyd1hxU3VoN2Q0b1UzeHpicG1VV1lKQjNrVmhETWlxNVBjZ3ZoZWtCSHdBN0wzaHVOVGVxSzBPN3Q2Uk80bXJ2Z1VBeXloWjJnajhm?oc=5) · Legacy obituary
- 2014-12-10 [Fake gunmen stage robbery as training exercise - Battle Creek Enquirer](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPdzEzX3AtT0JvNml1MmNmcEJVYThZdmlYWnVsUUVnZGUzclk3SDFSQkN1dWdCV2dQZ1BaUlJjTHNnTXBOX2xWUkREczdVYVI4SVNCekJWbDJLVXB2MHZOWTQ3LUZsb281QXB2Q1JzQlNQU3hXTkFTLUJrTGpDMzJEWFJFYmQybWJhcUhTeXdOUWYyRDMwLWI4MkdNSzh1aGZuUlRGd3pBNnk4WU5NNXl4SWx6UjVCNzZ1?oc=5) · Battle Creek Enquirer

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62155 (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/11.json (key "62155", 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=62155
- 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