# POSTAL
Meridian, MS · NCUA charter 63656 · asset band <$50M · 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/postal-63656

Who the members are: state charter, organized 1932. 582 members of 650 potential (89.5% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 22.

**Verdict on the desk:** this could be *auto monoline*. 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 | $5.6M |
| Members | 582 (-2.4% YoY) |
| Full-time staff | 0 |
| Net worth | $942,353 |
| Net worth ratio | 16.7% (p73 of band) |
| ROA (annualized) | 0.00% (p27 of band) |
| Total delinquency | 0.00% (p5 of band) |
| Net charge-offs (annualized) | 1.30% (p87 of band) |
| Loans / shares | 21% (p6 of band) |
| Cash / assets | 6.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.51% (p4 of band) |
| Operating expense / assets | 1.30% (p5 of band) |
| Vehicles % of loans | 63% (p66 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 2.21% (p94 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $8,044 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $7,618 |
| Loans granted, annualized | $909,739 |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## 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 | 3 | delinquency rising, assets shrinking, loan book shrinking |  |
| 2017-06 | 5 | losing money, margin squeeze, charge-offs p90, auto monoline | assets shrinking, loan book shrinking |
| 2017-09 | 2 | assets shrinking | delinquency rising, losing money, margin squeeze, charge-offs p90 |

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

- 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
- 2026-08-24 [💀 USPS COLLAPSE INCOMING? What Every Postal Worker Must Hear! English Breakfast (c9rdhU79lg) - Mshale](https://news.google.com/rss/articles/CBMiW0FVX3lxTE5qcy0tQ2xDMThHOFRjNEZ4QkhHNWFhNjg5Mm9Fc09CV0dtRUc2S2NxYWQydTA5OUF5ek9VeDFFYnNxcUQ4U2MxeHNnVEl2N2pNWHYwMGx0VlNTaFE?oc=5) · Mshale
- 2026-03-25 [Bubber Holston, Jr. Obituary | Bostick Tompkins Funeral Home | Columbia, SC - Tribute Archive](https://news.google.com/rss/articles/CBMiekFVX3lxTE0yZFhVVHpJWkdfaC1hMjl4WjFLUmhoMUJHYzUzNUJoQjZLem1Wc2JndE5yZ3FFa05MaW9Gb0ljV0o3LUx5dUptS0RpTjBjSnVvZmowQTF0dXRzeWhUUmVRcC1ERDllUUZvMUVVeld5Z1NIUDE0c2g3LWln?oc=5) · Tribute Archive
- 2019-03-01 [Massive Credit Union Loan Fraud Ring Busted by NCDA and Postal Service Inspectors - Nassau County DA](https://news.google.com/rss/articles/CBMiWEFVX3lxTE9wNFFRSzEzTGx5R2tvbFROUGdsMXkzVmZsVGRhV2xWcm80a2Q4WEtIRlliYXotSFhXNFExVmdtckJhMmtVZVFicFRmVlA4eXRIR292SFNaTG8?oc=5) · Nassau County DA
- 2024-05-31 [Georgia credit union to buy Affinity Bank - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxQN2NIMVFjcFZ0Mkt1T2hxTXFHVmh3bm5yaWVIOHhVRmZsb2VLYXVuckxUWk03VngySFNJYnhEa2p0eXdNODR2QUZCQ2xqYWFONl9VZTNneGdjMnpUUUxaRkN4WTRNNy1Qeko3NS1Ob3FKbU5zTkdBUVBxN2ZmOEU2NEl2bGdQbEJlX3dCMTRMbGhObEE5UWE5ZTNDR0dxYmVGOWZvSEZB?oc=5) · Banking Dive
- 2025-08-30 [First Priority Federal Credit Union celebrates 100 years - herald-dispatch.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQMXdTN2M1VEZ0dVpQcWtnUE1HZ3pqXzNMcEcxbllQTlZOYWhkaXN5TjdSSS1Ncy1aSzhBSFpLdWZxb1A2OXd1ZXZ2NmktLUZmVkViTUNQN29oamdITlZYX2hCWVYyZmlKQkRyUVhRUUZsWVpJQzFmV2lnWHh0ZG1HZ0lCZWcxWnpNaVE0aVlpT1RWaDZjZzZ0TzcxZnViU0FUTDVMTGJ5MWl3QWZOSEtPZElveDNrU25GZGVvdGR4RzdCUnk3TUh5X1I5VFlEVm1UZzhKNW55OXZqYVltRTloTA?oc=5) · herald-dispatch.com
- 2025-10-01 [Willie Ebbie Thompson Obituary Dec 15, 2010 - Robert Barham Family Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE1DUUtaWGlvTFp0dFFCS2pQSDhvSXQ2dThoMHA1S3hHbkJrclFtYk82NXJOb0kwT0ZpREdReHJ3WVAteGdrMjg4U0pBTU54V05lcXdRUXBiSnlHQ09HVEZsVWhDcmNRM3Z4WHc?oc=5) · Robert Barham Family Funeral Home
- 2025-12-13 [David Adams, Jr. Obituary (1938 - 2025) - Detroit, MI - MLive.com - MLive.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQbVJqTVVmSFVPSjdIeVktd1dVTkN2VmRtVjR1b0k0Nnp6blFUQTFGNkt3blBOd1BKS0MzeW5tcF8xRDdJOFVCaU5NVlpDUjNTLVczbUZYR2xmdEVkSWo2WGxUdTNtUVRDa3BHZU1FSEpnZ1dtYmhFb202WkhjYjRTRG9hNDdRSW1tR2ZjOHdiYWlnNURxb3Ezd2YzS1lqQQ?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63656 (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/40.json (key "63656", 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=63656
- 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