# POST OFFICE
MADISON, WI · NCUA charter 66491 · asset band <$50M · latest filing 2021-03 · stopped filing after 2021-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/post-office-66491

Who the members are: state charter, organized 1930. 2,973 members of 187,600 potential (1.6% of the field); checking penetration 21% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *too clean*. 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 | $34.8M |
| Members | 2,973 (-9.1% YoY) |
| Full-time staff | 6 |
| Net worth | $6.5M |
| Net worth ratio | 18.8% (p82 of band) |
| ROA (annualized) | -12.15% (p0 of band) |
| Total delinquency | 0.01% (p21 of band) |
| Net charge-offs (annualized) | 0.04% (p62 of band) |
| Loans / shares | 57% (p63 of band) |
| Cash / assets | 36.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | -5.52% (p0 of band) |
| Operating expense / assets | 6.93% (p97 of band) |
| Vehicles % of loans | 84% (p92 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% (p20 of band) |
| Vehicle NCO | 0.06% (p78 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 9% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 24% |
| Average share balance | $6,196 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $12,458 |
| Loans granted, annualized | $4.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | loans>95% of shares |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | delinquency rising |  |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | leaning on borrowings |  |
| 2018-06 | 2 |  | leaning on borrowings |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 4 | assets shrinking |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 5 | loan book shrinking |  |
| 2019-09 | 4 | members leaving | loans>95% of shares, delinquency rising |
| 2019-12 | 3 |  | assets shrinking |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | members leaving |
| 2021-03 | 7 | losing money, expense trap, margin squeeze, members leaving |  |

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

- 2026-02-27 [Leo Cross Sr.'s Memorial Wall - Ryan Funeral Homes](https://news.google.com/rss/articles/CBMickFVX3lxTE8yMHBaSFI4dkh5WHQ4WEVQRFN3X1dEZU5vYnQ4S25KWkx4UHFaUjQzTzFyWVVsRXdYRzBULUVBOTJicmxYQ01FVUV5alh3bEFUeUZ3UjNid202QkhveWJNVDhxNHpTWGwxNUsxMXRnTXZZUQ?oc=5) · Ryan Funeral Homes
- 2026-08-19 [Man accused of stealing, forging multiple checks - Yahoo](https://news.google.com/rss/articles/CBMikgFBVV95cUxQNm81dVlqRzMzaVFKVjQ5Q05pLVY3SmVjYkh4T2pCUVRFREh0MzBYa3ZyQ1pVM3hQWW9pZENBZlAtYlpUWHE5NlRDczZyS1BPMjFkVE42S3VFVFl6a05PazhIdkQ0VXlkMkxXS2JiV2RieXBEZ19tUm5aNGJUUURxc2VTaHZiSFU2NnFPeXVLWmgxUQ?oc=5) · Yahoo
- 2026-01-07 [Underground Waupaca - Waupaca County Post](https://news.google.com/rss/articles/CBMibEFVX3lxTFBTRERUQWVNY1JVMGxPT3FuaVZPdVhDc1VDRFplSnFOc1A1NU1OX2RPc3JKWjlpTUg5a3h4RDFwRW5oSXFNOVA3cnVBdDZxTG9oemtxUjRfUktZVmd6RVdXYklRTW9NTmFnYVJHaw?oc=5) · Waupaca County Post
- 2020-01-21 [Could Postal Banking Help Underserved Communities & Boost the USPS? - Purdue Global Law School](https://news.google.com/rss/articles/CBMib0FVX3lxTE9ObzQ4RHFfckNaZFprWVVBTG04dGUtNW01UnZlUWtVX1p2VmtTdk5PSkNYdURMQkJIUkRSVlpLSno3X2VhRlpOZnVPX0tXN0w4Wm1fQlZRY3BxNThYbHRSVVRNakRiV3pyWThpTm9jZw?oc=5) · Purdue Global Law School
- 2020-11-10 [Merger would expand PenFed's reach to Wisconsin - American Banker](https://news.google.com/rss/articles/CBMipgFBVV95cUxQNkE0Q3pxN3ZETW1Bc3FLUXpJTUk0NUVSM01LWVNzeG1VNU5qRjdMaXY5bVAtcnVCQW45R1gyek9pMUpJdTcyczhrRGFQa1hOei1tMDhUMk5DcTVCamV0UXZIR3kzQnBJVnpiYXd5N3FWdlM2a0poRWtsU2FuVXhXalBKLUE5Z0lJUnpYUmZVc3lWQzF5V0FzZ1JCRmY5TmNBUjVFUjJR?oc=5) · American Banker
- 2023-01-27 [Mail, check fraud growing in Madison area - Spectrum News](https://news.google.com/rss/articles/CBMinAFBVV95cUxNR2RxamlNU0JUVmRneUZEaTA3U1c1TjRpMzBnaGtZeGEtSktXdHdKTWhja2o1NGsxWnd3QWZTMm1waE4xMzNTN0xKaEtsUW9QMVJQREw4cEU5NjdPcVRaTl81ZXIyeFZqZ3AxeUNWM0Y3V0hGNHBQU0tBY2k1Yk9vOE4zYzluU3Y5UHNKVDRkeTJ4cjZ3a1EwYW4zMVo?oc=5) · Spectrum News
- 2023-06-24 [Warren R. Brey Obituary Jun 24, 2023 - Thomas Family Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE5CY0gzRVlFVnBnU21HN3hILUo3NGJTa3IwNFlLRi1MX2FiUDRSeklqMVk1S08tUEU1d2JIZXg4YXotUVBfWFBHNzV3OHpYTWFQTFlpS0htczZWYjlUM3JpRlZMSU0wanMtUVotSHlpdw?oc=5) · Thomas Family Funeral Home
- 2025-03-20 [Madison postal workers protest push to privatize - Isthmus | Madison, Wisconsin](https://news.google.com/rss/articles/CBMiogFBVV95cUxON2dLTjd3TEF3ZHJZYXBIdFQxZ3hseXRfYVdfQk90alRCWnZ5QXNsSEltaC14QTJybl9vRlRNclpaTnpndGFmN0hnRUFtMXVtM2dsYVU3Q0s0WGgzcTRYSGIySnFFWlYxLXhJbmljTFVidXo3YVJxbHRWd2NHZnVDanBMaDVaMDhmZy1nelhLS3lxQjV0M1NzSm53UEhndFdkUGc?oc=5) · Isthmus | Madison, Wisconsin

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66491 (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/59.json (key "66491", 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=66491
- 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