Credit Union
COLUMBIA POST OFFICE
Health Score
50/100
Total Assets
$25.8M
Members
1,219
COLUMBIA, South Carolina
2026 data Public-data reference. official source

COLUMBIA POST OFFICE

Open-data reference.

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COLUMBIA, South Carolina · Charter #61065 · State Credit Union
50
Health Score
Fair

Health Score

50/100

PlainCU 5-factor composite (NCUA 5300 Call Report)

Charter #

61065

NCUA-issued institution identifier

Source

NCUA

Quarterly 5300 Call Report — 2025Q4

COLUMBIA POST OFFICE — Share Insurance Coverage

Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.

NCUSIF coverage gauge for COLUMBIA POST OFFICE Share insurance under NCUSIF covers up to $250,000 per share owner. COLUMBIA POST OFFICE holds approximately $19.8M in member shares. Composite CAMELS rating bracket 3 (Fair). Risk-based capital ratio 23.3 percent. Share Insurance Coverage Federal NCUSIF — $250K per share owner 1 2 3 4 5 CAMELS 3 · Fair RBC ratio 23.3% · $19.8M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 — share insurance under Title II of the Federal Credit Union Act

COLUMBIA POST OFFICE — Five Health Pillars

Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.

Health Pillars (0-100)

Health Pillars (0-100) Horizontal bar chart of the top 5 items by value. Health Pillars (0-100) Top 5 1. Net Worth 23.27% 2. Loan Quality 1.05% delinq 3. ROA 0.00% 4. Member Growth -4.09% 5. Liquidity 19% LTS Source: NCUA 5300 Call Report — calculations per PlainCU methodology
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

At 23.27%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$25.8M
Total Assets
1,219
Members
$3.8M
Total Loans
$19.8M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 23.27% 30%
Delinquency Rate 1.05% 25%
Return on Assets 0.00% 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

COLUMBIA POST OFFICE is a state credit union headquartered in COLUMBIA, South Carolina, serving 1,219 members with $25.8M in total assets and $3.8M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 50/100 (Fair), anchored by a net worth ratio of 23.27% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #61065 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.

Loan book quality and earnings power round 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. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. 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.

Every deposit account at COLUMBIA POST OFFICE is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -4.09%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Other), and current deposit and loan rates should be verified directly with COLUMBIA POST OFFICE before opening any account or borrowing.

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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?

COLUMBIA POST OFFICE has a financial health score of 50/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 23.27% and delinquency rate of 1.05%.

How does COLUMBIA POST OFFICE compare to other credit unions?

COLUMBIA POST OFFICE scores 50/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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.