State credit union · COLUMBIA, South Carolina · NCUA charter #61065
Columbia Post Office
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $25.8M
- Total assets
- 1,219
- Members
- 23.6%
- Net-worth ratio
Columbia Post Office scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.8M; members 1,219; net-worth ratio 23.65%; health rank #3,512 of 4,374; healthier than 18th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,512 of 4,374 health · 2025Q4Columbia Post Office · health 71/100 · $25.8M · 2025Q4
Call Report peers
Columbia Post Office in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Columbia Post Office vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Columbia Post Office sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Columbia Post Office: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 23.65% here, 14.86% peer average (+8.79 pp).
- Loan-to-Share Ratio trails the peer set - 19.22% here, 59.80% peer average (-40.58 pp).
Columbia Post Office in South Carolina
- Health composite ranks #39 of 46 among scored South Carolina credit unions.
- South Carolina assets place: #35 of 46.
- Membership ranks #41 of 46 among South Carolina CUs with a reported count (1,219 members).
- One place up in South Carolina, HOPESOUTH (#38) scores 75/100, 4 points higher; one place down, Self Memorial Hospital (#40) ties at 71/100.
Quarter path for Columbia Post Office
Columbia Post Office: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.8% from $25.8M (2025Q4) to $25.6M (2026Q1).
- Net-worth ratio shifted +0.38 pp (23.27% → 23.65%).
This credit union's 23.65% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 71/100 score is built
Columbia Post Office gives up 29 points in total. Member Growth costs the most, 13.4 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.6 pts
- Return on Assets 12.3 pts
- Member Growth 1.6 pts
- Loan-to-Share Ratio 7.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.65% | +8.79 pp |
| Delinquency Rate | 1.05% | -0.09 pp |
| Return on Assets | 0.32% | -0.38 pp |
| Member Growth | -4.09% | - |
| Loan-to-Share Ratio | 19.22% | -40.58 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Columbia Post Office filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.6M | - |
| 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
Branch Locations (2)
Columbia Post Office operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Columbia, SC |
| Branch | West Columbia, SC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
More federally-insured credit unions based in South Carolina, ordered by peer group match and asset size.
Other-state peers near Columbia Post Office
Using this data
- Columbia Post Office ranks #3,512 of 4,374 nationally on financial health and #39 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EDISTO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EDISTO
Frequently Asked Questions
Is Columbia Post Office financially healthy?
On its 2025Q4 NCUA 5300 filing, Columbia Post Office scores 71/100 (Very Good), with a 23.65% net worth ratio and 1.05% of loans delinquent. It ranks #3,512 of 4,374 nationally on health and #39 of 46 in South Carolina.
How does Columbia Post Office compare to other credit unions?
Columbia Post Office scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (23.65% vs 14.86%). Its widest shortfall is loan-to-share ratio (19.22% vs 59.80%).
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?
Columbia Post Office is a state-chartered credit union; its shares are federally 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 23.65% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.