# POSTAL & COMMUNITY
Saint Joseph, MO · NCUA charter 64145 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/postal-and-community-64145

Who the members are: state charter, organized 1922, low-income designated. 11,114 members of 50,000 potential (22.2% of the field); checking penetration 33% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $93.1M |
| Members | 11,114 (0.9% YoY) |
| Full-time staff | 13 |
| Net worth | $9.1M |
| Net worth ratio | 9.8% (p19 of band) |
| ROA (annualized) | 1.20% (p76 of band) |
| Total delinquency | 0.58% (p49 of band) |
| Net charge-offs (annualized) | 0.27% (p53 of band) |
| Loans / shares | 83% (p87 of band) |
| Cash / assets | 23.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.29% (p30 of band) |
| Operating expense / assets | 2.60% (p19 of band) |
| Vehicles % of loans | 63% (p81 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 23% |
| Third-party paper % of net worth | 121% (p88 of band) |
| Vehicle delinquency | 0.77% (p61 of band) |
| Vehicle NCO | 0.44% (p63 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 38% |
| Average share balance | $5,015 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $19,432 |
| Loans granted, annualized | $33.8M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 3 | 3rd-party paper>100% NW |  |
| 2016-09 | 5 | net worth falling, losing money |  |
| 2016-12 | 4 |  | losing money |
| 2017-03 | 5 | delinquency rising |  |
| 2017-06 | 3 |  | net worth falling, delinquency rising |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | net worth falling |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | net worth falling |
| 2019-03 | 4 | delinquency rising |  |
| 2019-06 | 3 |  | delinquency rising |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | delinquency rising |  |
| 2020-03 | 5 | net worth falling |  |
| 2020-06 | 4 |  | delinquency rising |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 4 | delinquency rising | net worth falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 |  | delinquency rising |
| 2022-03 | 5 | net worth falling, delinquency rising |  |
| 2022-06 | 3 |  | net worth falling, delinquency rising |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 3 |  | delinquency rising |
| 2023-12 | 3 | delinquency rising | thin capital |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | delinquency rising |  |
| 2026-03 | 3 |  |  |

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

- 2024-01-26 [Obituary information for Roxanna U. Phillips - Meierhoffer Funeral Home](https://news.google.com/rss/articles/CBMie0FVX3lxTE43QjVtdWI0SWpVSDV1VFp1c0xud2c5UjhYRkRkTjRCM1kwQVdKbFR4MzBIb2hTUkg1X2ZzZ3RXRF9qVTZubGdBMkxETmV3b3dBUWJHRGY4dkZ4WG9EdmV4QURfQmp4ZGpnYVdZWTAwY09PT2xEa2lFRWo4VQ?oc=5) · Meierhoffer Funeral Home
- 2026-05-22 [Deeds of trust for May 22 - News-Press NOW](https://news.google.com/rss/articles/CBMixgFBVV95cUxQdE91LXNwQnZZWXNvNTNtUmRyYS14eVdMc0lrODZZOHFZSUhtcTJjdkF3b3NZbDF4N1N1WUlOeTNvWXlZdkItcnhtYjFUdzFXODk3OUJMZ3Qxd0V5UmppOUhYNkpwNG9xUmowVDBLYmw0Rlp5WVlMWGM3TW83bHdlaTNRWGpGbG5NMGJLRlc1TDUtSG9kRHc5TnVhUFB3a3phU2ZVTk0tOFdOY2FDNmFsOWNvUnVqSG14T195QVNPZUo1U29Vd0E?oc=5) · News-Press NOW
- 2026-05-29 [Deeds of trust for May 29 - News-Press NOW](https://news.google.com/rss/articles/CBMixgFBVV95cUxObkNadFpaYnJjWVZ1UGFrdVJDQWJQNG1JaDl1RkhmYlJicHBZRDJqTEdISjV5dEFxY0pjRmZrNmRJb0cwNThLMDNhQ1RpTURWcXg2TUNhZ1ZwX1Q4bFdTRTJ6U2xSNDduSHE1Zi1odk1Ub3ZSUi1FRDlxa29BVGc0d0lLUU5RcW95Sm5CNzJhcjlNVFdHTU1XWkYweUNKcjBXWTdobG4tbU9uVWV3bGc1VDJpSWNXWURtQnhSamRVLXNzSXN1SGc?oc=5) · News-Press NOW

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64145 (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/17.json (key "64145", 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=64145
- 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