Post Office CU of Md, Inc.
Baltimore, MD·Charter 95742·cu:95742·Credit union RBC / net worth
- #45 of 60Total assets in Maryland
- 3,228members
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Post Office CU of Md, Inc.
7 of 23 FORFI signals stand out against 2478 similar credit unions, based on NCUA data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal1.15%peers 0.91%+24 bps
Post Office CU of Md, Inc.'s cost of shares and deposits has not eased the way it has at similar credit unions, while more of the funding base moved into higher-rate time deposits.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 1.15% | 0.91% | +24 bps |
| Certificates' share of shares | ||
| 30.3% | 12.7% | +17.6 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Post Office CU of Md, Inc. itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the share base as cash fallsWorth a look: Liquidity 2nd quarter115.0%+31.1 pp in 12 months
Post Office CU of Md, Inc.'s loans rose to 115.0% of shares and deposits, 31.1 percentage points higher than a year earlier, while cash fell to 7.4% of assets. The median change in the loan-to-share ratio among 2470 similar credit unions was -2.0 pp.
| Observed | Change |
|---|---|
| Loans / shares and deposits | |
| 115.0% | +31.1 pp in 12 months |
| Cash / assets | |
| 7.4% | -10.2 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Post Office CU of Md, Inc. itself is left out of every peer median and percentile. How signals work
Auto lending growing while the peer median shrinksStrength: Lending 2nd quarter+47.3%peers -5.6%+52.9 pp
Post Office CU of Md, Inc.'s auto loans grew 47.3% over the past year to $20.9 million. The median among 2357 similar credit unions was -5.6%.
| This institution | Peer median | Difference |
|---|---|---|
| Auto loans, 12-month growth | ||
| +47.3% | -5.6% | +52.9 pp |
| Auto loans | ||
| $20.9 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Post Office CU of Md, Inc. itself is left out of every peer median and percentile. How signals work
Membership growing while the peer median shrinksStrength: Membership 2nd quarter+16.3%peers -1.4%+17.7 pp
Post Office CU of Md, Inc.'s membership grew 16.3% over the past year. The median among 2473 similar credit unions was -1.4%.
| This institution | Peer median | Difference |
|---|---|---|
| Membership, 12-month growth | ||
| +16.3% | -1.4% | +17.7 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Post Office CU of Md, Inc. itself is left out of every peer median and percentile. How signals work
3 more observations
- Reliance on share certificates rising while the peer median holds steadyFunding
- Loans growing while the peer median shrinksLending
- Share and deposit costs rising while the peer median holds steadyFunding
Key facts
- Post Office CU of Md, Inc. is a state-chartered credit union headquartered in Baltimore, Maryland. It reported $28.2 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $21.0 million, up 2.2% from a year earlier, and loans totaled $24.2 million, up 40.1%.
- Its net interest margin on average assets was 4.48% and its annualized return on assets was 0.78% for the quarter.
- Its cost of all shares and deposits was 1.15%, compared with a median of 0.91% among 2475 similar credit unions with under $100 million in assets.
- It served 3,228 members, up 16.3% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Post Office CU of Md, Inc.'s own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Post Office CU of Md, Inc. · Credit union
- NCUA charter
- 95742
- Reporting period
- Peer group
- 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Post Office CU of Md, Inc. itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $56.09K | |
| $364.48K | |
| $43.45K | |
| $321.03K | |
| $35.7K | |
| $300.64K | |
| $0 | |
| $0 | |
| 0.78% | |
| 4.48% | |
| 84.28% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.