Credit union · NCUA insured
Postal & Community Credit Union
Top CarrotA $93.1M credit union headquartered in St. Joseph, MO, with 11,114 members and 2 branches in Missouri. Best rates: CDs 4.75% and savings 2.00% APY.
Postal & Community Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 95% of U.S. banks and credit unions
#1 of 13 in St. Joseph, MO-KS metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Postal & Community Credit Union
Postal & Community Credit Union operates its main office in St. Joseph, Missouri.
- Headquarters
- 3921 Oakland Ave, St. Joseph, MO 64506
- NCUA charter
- 64145
Branches
2 branches in Missouri
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Missouri
2 branches
- Postal & Community Credit UnionMain office3921 Oakland Ave, St. Joseph, MO 64506Directions
- Postal & Community Credit Union402 S. Bus 71 Hwy, Savannah, MO 64485Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.86% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.38% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.07% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $87 | $59 | — |
- CapitalNet worth ratio9.86%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.38%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.07%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$87Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Postal & Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.