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
Call Report peers
Lexington Postal Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Lexington Postal Community sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Kentucky, KUE (#34) ties at 79/100; one place down, Louisville Federal (#36) scores 78/100, 1 point lower.
Quarter path for Lexington Postal Community
Lexington Postal Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.0% from $26.4M (2025Q4) to $27.7M (2026Q1).
- Net-worth ratio shifted -0.43 pp (9.67% → 9.24%).
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
Lexington Postal Community gives up 21 points in total. Member Growth costs the most, 12.1 of its 15; Delinquency Rate loses the least, 0.4.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Lexington Postal Community financially healthy?
Lexington Postal Community has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,894 of 4,374 nationally on health and #35 of 54 in Kentucky. Its net worth ratio is 9.24% and its delinquency rate 0.54%.
How does Lexington Postal Community compare to other credit unions?
Lexington Postal Community scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.54% vs 1.15%). Its widest shortfall is net worth ratio (9.24% vs 14.86%).
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?
Lexington Postal Community 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. Lexington Postal Community's net worth ratio of 9.24% 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.