State credit union · Lexington, Kentucky · NCUA charter #62370
Lexington Postal Community
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $26.4M
- Total assets
- 2,155
- Members
- 9.2%
- Net-worth ratio
Lexington Postal Community scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $26.4M; members 2,155; net-worth ratio 9.24%; health rank #2,894 of 4,374; healthier than 33rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,894 of 4,374 health · 2025Q4Lexington Postal Community · health 79/100 · $26.4M · 2025Q4
- NCUSIF 79/100
- CAMELS 9.2%
- HEALTH 0.54%
- NW 0.24%
- DELQ $26.4M
- ROA 2,155
- ASSETS #2,894/4,374
- MEM MYCOM
- RANK 62370
Call Report peers
Lexington Postal Community in the assets neighbourhood
Lexington Postal Community's $26.4M assets sit next to MYCOM ($26.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Lexington Postal Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
79 33rd percentile higher than 33% 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
Lexington Postal Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62370. See our deposit-insurance coverage note.
Where Lexington Postal Community diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.54% vs peer 1.15% (-0.61 pp).
- Widest shortfall vs peers is Net Worth Ratio: -5.62 pp (9.24% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Lexington Postal Community sits in Kentucky
- In Kentucky, health place is #35 of 54 on the same NCUA-ratio sort used nationally.
- Kentucky assets place: #37 of 54.
- Kentucky membership ordinal: #39 of 54.
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Lexington Postal Community
Lexington Postal Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.0% from $26.4M (2025Q4) to $27.7M (2026Q1).
- Net-worth ratio shifted -0.43 pp (9.67% → 9.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.24% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 28.1 pts
- Delinquency Rate 24.6 pts
- Return on Assets 11.1 pts
- Member Growth 2.9 pts
- Loan-to-Share Ratio 12.3 pts
Lexington Postal Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.24% | -5.62 pp |
| Delinquency Rate | 0.54% | -0.61 pp |
| Return on Assets | 0.24% | -0.46 pp |
| Member Growth | -3.36% | - |
| Loan-to-Share Ratio | 57.57% | -2.23 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Lexington Postal Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $27.7M | - |
| 2025Q4 | $26.4M | 2,155 |
| 2024Q4 | $26.2M | 2,230 |
| 2023Q4 | $27.7M | 2,260 |
Credit Union Details
- Charter Number
- 62370
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- Lexington
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Lexington Postal Community runs one office.
| Office | City |
|---|---|
| LPCCU Main (Main Office) | Lexington, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
Other federally-insured credit unions in Kentucky, closest first by peer group and asset size.
Other-state peers near Lexington Postal Community
Lexington Postal Community's nationwide photo peers by assets and by health score, excluding Kentucky charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($26.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Lexington Postal Community ranks #2,894 of 4,374 nationally on financial health and #35 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Labor Management is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Labor Management
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Lexington Postal Community financially healthy?
Lexington Postal Community scores 79/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,894 of 4,374; by total assets it ranks #2,953 of 4,374 nationally (same basis as /rankings/largest); and #37 of 54 within Kentucky. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.24% net worth ratio and a 0.54% delinquency rate.
How does Lexington Postal Community compare to other credit unions?
On PlainCU's health composite, Lexington Postal Community lands at 79/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Lexington Postal Community?
Membership eligibility for Lexington Postal Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Lexington Postal Community directly for current membership requirements and application steps.
Is my money safe at Lexington Postal Community?
Federal credit unions like Lexington Postal Community 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. Lexington Postal Community's net worth ratio of 9.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lexington Postal Community offer compared to banks?
Credit unions like Lexington Postal Community 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 Lexington Postal Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.