# POSTAL EMPLOYEES
YARDVILLE, NJ · NCUA charter 64882 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/postal-employees-64882

Who the members are: state charter, organized 1928. 1,797 members of 2,500 potential (71.9% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 93.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $36.7M |
| Members | 1,797 (-5.3% YoY) |
| Full-time staff | 3 |
| Net worth | $5.8M |
| Net worth ratio | 15.9% (p56 of band) |
| ROA (annualized) | -1.76% (p7 of band) |
| Total delinquency | 0.74% (p54 of band) |
| Net charge-offs (annualized) | 4.21% (p97 of band) |
| Loans / shares | 39% (p23 of band) |
| Cash / assets | 32.7% |
| Borrowings / assets | 2.68% |
| Net interest margin | 2.88% (p16 of band) |
| Operating expense / assets | 4.81% (p75 of band) |
| Vehicles % of loans | 26% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 28% |
| Third-party paper % of net worth | 42% (p94 of band) |
| Vehicle delinquency | 0.89% (p62 of band) |
| Vehicle NCO | 0.51% (p81 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 28% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 37% |
| Average share balance | $8,992 |
| Participations bought / yr | $3.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $2.4M |
| Loans outstanding per 100 members | 93% |
| Loans granted per 100 members, annualized | 66% |
| Average loan balance | $6,792 |
| Loans granted, annualized | $5.3M |

## Participation posture (from the same filings)

Bought $3.7M and sold $0 in the latest annualized quarter; $2.4M outstanding purchased (40.4% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares -10.3% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | losing money |  |
| 2016-12 | 4 | net worth falling |  |
| 2017-03 | 2 |  | delinquency 2x band, net worth falling |
| 2017-06 | 1 | members leaving | charge-offs p90, losing money |
| 2017-09 | 1 | auto monoline | members leaving |
| 2017-12 | 2 | assets shrinking |  |
| 2018-03 | 4 | losing money, charge-offs p90 |  |
| 2018-06 | 4 | net worth falling, delinquency rising | auto monoline, assets shrinking |
| 2018-09 | 1 | loan book shrinking | losing money, charge-offs p90, net worth falling, delinquency rising |
| 2018-12 | 2 | assets shrinking |  |
| 2019-03 | 5 | losing money, delinquency 2x band, charge-offs p90 |  |
| 2019-06 | 3 | members leaving | losing money, delinquency 2x band, charge-offs p90 |
| 2019-09 | 3 | delinquency 2x band | members leaving |
| 2019-12 | 2 |  | delinquency 2x band |
| 2020-03 | 5 | net worth falling, losing money, charge-offs p90, members leaving | assets shrinking |
| 2020-06 | 5 |  |  |
| 2020-09 | 5 | margin squeeze | charge-offs p90 |
| 2020-12 | 5 |  |  |
| 2021-03 | 3 | delinquency 2x band | loan book shrinking, losing money, members leaving |
| 2021-06 | 1 |  | net worth falling, delinquency 2x band |
| 2021-09 | 0 |  | margin squeeze |
| 2021-12 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2022-03 | 5 | losing money, charge-offs p90, members leaving | delinquency rising |
| 2022-06 | 3 | 3rd-party paper>100% NW | net worth falling, delinquency 2x band, members leaving |
| 2022-09 | 2 |  | charge-offs p90 |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 2 |  | losing money |
| 2023-06 | 5 | delinquency 2x band, delinquency rising, members leaving |  |
| 2023-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2023-12 | 4 | net worth falling, delinquency rising | 3rd-party paper>100% NW |
| 2024-03 | 6 | losing money, delinquency 2x band, charge-offs p90 | assets shrinking |
| 2024-06 | 4 |  | members leaving, delinquency rising |
| 2024-09 | 4 | delinquency rising | charge-offs p90 |
| 2024-12 | 3 |  | net worth falling |
| 2025-03 | 4 | margin squeeze, assets shrinking | losing money |
| 2025-06 | 2 | charge-offs p90 | delinquency 2x band, delinquency rising, margin squeeze |
| 2025-09 | 3 | delinquency 2x band, members leaving | charge-offs p90 |
| 2025-12 | 2 |  | assets shrinking |
| 2026-03 | 3 | losing money, charge-offs p90 | delinquency 2x band |

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

- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2025-08-13 [NCUA Approves 45 Credit Union Mergers During 2025’s Second Quarter - CUTimes](https://news.google.com/rss/articles/CBMiowFBVV95cUxQQkU1Wk5iWXZYbVlIaVFEbVc2VkFZQkEwaE0yWmZZODNNVjg4WFdyeDk0VnJPbkEzLXljSDNydkJDM2d4R1h2aU5oeUJmQmE4TENlcWY5TEtZWnlZWjdYcmdMQ01RNlBkV01pdl8wb2FDaW5NYVBXWDY4OTVVYmp1SVFfQ0JHMWtFVmRoUEhjeHl5c3NTTDQtTVhReGo2Y0NuZkFn?oc=5) · CUTimes
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- 2022-09-06 [Thomas P. Buker Sr. Obituary (2022) - Ewing, NJ - Murphy Funeral Home - Ewing Township - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQdEE4YXoxSW53aXhNRTFoMThFT2hqUTdsbGRhYXdJaEdMNUlFMXh1MjlPdkJPYXZMWm5tTDFKYWNwTWR0ZWFiU1dTcjFHelBlcmpaVENBWm8tcGhJY3ZDSUxKc0lxRVpkZnY2Y2hSZHdFdUZ1d25sa2ZQZllPNmhkag?oc=5) · legacy.com
- 2006-02-22 [Patricia Lewis Obituary (2006) - Ann Arbor, MI - Ann Arbor News - MLive.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPMFpmT0VXTjdoUGtlTFQydlZWSzZFRmlUM3RKNEc3WjFXSE5scEctRkxlakdLNXdWMjBGbTlqUWxrX2RsUzZwYWJpbnFCR3IwOTlPcGJzQ2FYaG5QbEFoNVE3M2ltZUV2aC1ubkVJNERrTmJEanBEaTJSWFZERWlLZnpxalZmWERQZmx4QW5fTHQ?oc=5) · MLive.com
- 2023-02-10 [Restore Oregon Modernism tours spotlight builder Bob Rummer, architects Joachim Grube and Pietro Belluschi - OregonLive.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQNkhvbjE2bWFiSTNXWHNsUXhpbXdJQl9VVTJiZ0RNTE1aSk5LdjNSZ2VCVHZDVFZXQ2JHVlFXMU5wSWNTcERGZV9TanotbTM0MEZ5WXlUanBEaTlrUzNYVWNxaGZyTE9BRmFTU0JoMWZ0Z3dvd2lmNXRDZlNxenNsUFVJYldBbXBRSG5zU0lWVWpxb1I0MUczZDRpRnR3dlk0RHI5MFZjWEdzRHNsQ0xzYUdYWTNnNnFoMmpVYjlGN0hreXktLWFXRk0tYTZqaHVZVGg4RHluSXQ5Z1Ntdl9mUXdn?oc=5) · OregonLive.com
- 1993-11-29 [WEDDINGS; Dvora Gershen and Dominic Gennello (Published 1993) - The New York Times](https://news.google.com/rss/articles/CBMikwFBVV95cUxPc3JEWGtRb29kNWRMYXN5clloemllVzZVUjdRVjVOSVpBZGhMNUxQM2hjY3NmSFhWTTRuMkpaR2dmQmRSZTJSb3czM1FqWk5uUnk3dkZ4Q1BSVG9XVVpqUmZnemZURzgtRGVZbUd0NnV4N3FfQXZRMGVQd1d6dWhQSVVfRkFob1F3ejRjVHZzWHkxTXM?oc=5) · The New York Times
- 2024-08-18 [Thomas Keister Obituary (2024) - Toledo, OH - The Blade - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOc0RtUDBkYkh4cVp1TFNqMC1YanhJRTRzcFZrUWp5czRrZ01lVjdURXUyZVZtYnBJalVJMWpVREJUSy1ZSTZ3ZXoxcG1BWC1NandfSXgyZm80N2VOSWtWbGdmWWQzX2lPS1Vqc3dNSXYtRS1GU0JYa0RKMGdVZFkwX1JqTkVkV2hsQ3l5Z0FvUDRLSEE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64882 (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/50.json (key "64882", 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=64882
- 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