# INDIANAPOLIS POST OFFICE
Indianapolis, IN · NCUA charter 82770 · asset band <$50M · latest filing 2025-03 · stopped filing after 2025-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/indianapolis-post-office-82770

Who the members are: state charter, organized 1927, minority depository institution. 3,047 members of 10,000 potential (30.5% of the field); checking penetration 26% (share draft accounts per 100 members); loans per 100 members 25.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $46.3M |
| Members | 3,047 (-5.0% YoY) |
| Full-time staff | 0 |
| Net worth | $11.2M |
| Net worth ratio | 24.1% (p86 of band) |
| ROA (annualized) | -0.15% (p19 of band) |
| Total delinquency | 0.52% (p47 of band) |
| Net charge-offs (annualized) | -0.04% (p13 of band) |
| Loans / shares | 34% (p16 of band) |
| Cash / assets | 57.2% |
| Borrowings / assets | 9.71% |
| Net interest margin | 1.81% (p4 of band) |
| Operating expense / assets | 2.12% (p14 of band) |
| Vehicles % of loans | 86% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.33% (p47 of band) |
| Vehicle NCO | 0.00% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $7,297 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $13,982 |
| Loans granted, annualized | $4.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 4 | charge-offs p90, members leaving |  |
| 2017-06 | 3 | net worth falling | charge-offs p90, members leaving |
| 2017-09 | 3 | members leaving | net worth falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | members leaving |
| 2018-06 | 1 |  | losing money |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 2 | members leaving | delinquency rising |
| 2019-03 | 4 | losing money, assets shrinking |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 3 | delinquency rising | members leaving, assets shrinking |
| 2020-03 | 2 |  | losing money |
| 2020-06 | 2 | members leaving | delinquency rising |
| 2020-09 | 2 | net worth falling | members leaving |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 | members leaving | net worth falling |
| 2021-09 | 1 |  | members leaving |
| 2021-12 | 2 | members leaving |  |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 3 | delinquency rising | net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | members leaving |
| 2023-03 | 4 | losing money, assets shrinking |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 5 | members leaving |  |
| 2023-12 | 5 | leaning on borrowings | delinquency rising |
| 2024-03 | 5 | charge-offs p90 | leaning on borrowings |
| 2024-06 | 5 | delinquency rising | charge-offs p90 |
| 2024-09 | 4 |  | delinquency rising |
| 2024-12 | 5 | leaning on borrowings |  |
| 2025-03 | 6 | net worth falling |  |

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

- 2025-01-29 [Financial Center to absorb Post Office Credit Union in merger - Indianapolis Business Journal](https://news.google.com/rss/articles/CBMickFVX3lxTE8yR1I3NUpLanBUYkJMTV9ZV256MjN2OU0wVUdFQ2VFSjU2VEpKYUVUVXNWSHMyVHBRSHFjWXdhb1V5OXc5M25qbDB3SU1PY0YzYjRtYVJvN05Ld3FRSGhhY2l2aF8tdHhiWlpzOTkybzI2Zw?oc=5) · Indianapolis Business Journal
- 2025-01-31 [Wells Fargo's co-CEO of corporate and investment banking steps down - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxQYTRLLXRmQWJQeFdyR3BQUXduSGlhSnNYQVBsa3VtWkFvOGRjUGlMRlNvMWx2Y2Y5X1dpemFaczZxSkxjUEItWlJINWl0a2JBSXVYcFp6UER1dEszbUdDdXhBWlFQNjN5dkVBUy02ZHdUOFI0OURtSXQtQ3JuM3VDRVh2Y2swVFE5aE8zU2M0TTJDT3ZFYlpLelFFVGFybE1IOVc5Tw?oc=5) · American Banker
- 2025-07-31 [Financial Center announces CEO Cameron Minges will retire - Indianapolis Business Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxOYnkxZjdsVFdPemIyYXgzZEtPQ0tPekkwNmhsMWphOU9aeU5Zb2FuYVBCb0J6VnhkSVB6MlU0WExyVElib0ZETXhEM2pELXE1ajRZanJlOGVXTVY5V3dmMXYzeWRUS3B0eUt0UTRDZFAwNUl3T1E1cjltOUM2UXhVYk5veFhBeWNzTkRuaTJGcw?oc=5) · Indianapolis Business Journal
- 2020-10-31 [James "Jim" E. Hendricks Obituary Oct 31, 2020 - Indiana Funeral Care](https://news.google.com/rss/articles/CBMigAFBVV95cUxOTjBvcHhXNlloUklybXZ3OHN4NjBBQzlOdVRGMXJkUVhaZUxjU1BpQ1lXQkVRT2FxQ00tOFp0SndWMkFpTHVEZXZHV2QzVGJzOXRkRFJ6SHhGcHhUaFJuTGpwc2UyR19UUmhlcXU1cm5oajUyUC1YUDZvSS1uY3FDaw?oc=5) · Indiana Funeral Care

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=82770 (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/18.json (key "82770", 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=82770
- 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