State credit union · COLUMBIA, South Carolina · NCUA charter #61065
Columbia Post Office
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $25.8M
- Total assets
- 1,219
- Members
- 23.3%
- Net-worth ratio
Columbia Post Office - Share Insurance Coverage
Charter #61065's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Columbia Post Office - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)78
- Earnings (ROA)82
- Member growth11
- Liquidity (loan-to-share)52
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 23.27% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 23.27% | 30% |
| Delinquency Rate | 1.05% | 25% |
| Return on Assets | 0.32% | 15% |
| Member Growth | -4.09% | 15% |
| Loan-to-Share Ratio | 19.22% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $25.8M | 1,219 |
| 2024Q4 | $29.3M | 1,271 |
| 2023Q4 | $30.3M | 1,348 |
Credit Union Details
- Charter Number
- 61065
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- South Carolina
- City
- COLUMBIA
- Data Quarter
- 2025Q4
What This Data Says About Columbia Post Office
Headquartered in COLUMBIA, South Carolina, Columbia Post Office is a state credit union with 1,219 members, $25.8M in total assets, and $3.8M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 71/100 (Very Good), driven in part by a net worth ratio of 23.27% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #61065 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.05% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 19.22% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.32% on net income of $83K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.09%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in South Carolina
More federally-insured credit unions based in South Carolina, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Columbia Post Office financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Columbia Post Office carries a financial health score of 71/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 23.27% net worth ratio and a 1.05% delinquency rate.
How does Columbia Post Office compare to other credit unions?
71/100 is Columbia Post Office's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Columbia Post Office?
Membership eligibility for Columbia Post Office depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Columbia Post Office directly for current membership requirements and application steps.
Is my money safe at Columbia Post Office?
Federal credit unions like Columbia Post Office are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Columbia Post Office's net worth ratio of 23.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Columbia Post Office offer compared to banks?
Credit unions like Columbia Post Office are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Columbia Post Office directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.