Sep, 30, 2025 — POSTAL & COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in SAINT JOSEPH, MO with 2 branch locations and about $87.21 million in total assets. Opened 104 years ago in 1922, POSTAL & COMMUNITY CREDIT UNION has about 11,097 members and employs 15 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | POSTAL & COMMUNITY CREDIT UNION |
|---|---|
| Address: (Main Office) | 3921 Oakland Ave SAINT JOSEPH, MO 64506 |
| Phone: | (816) 279-5656 |
| Fax: | (816) 279-5660 |
| Website: | https://www.yourpccu.org |
| Branches: | 2 branch locations |
| Members: | 11,097 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 64145 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1922 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $87,208,526 |
| CEO/Manager: | Tina Ryan |
| Chairperson: | Joe Mistek |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,454,075 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 14,615,047 |
| Unsecured Loans | 2,401,662 |
| Other Loans | 50,491,385 |
| TOTAL LOANS | 67,508,093 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -374,291 |
| Land And Building | 610,222 |
| Other Fixed Assets | 57,545 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 710,680 |
| All Other Assets | 0 |
| TOTAL ASSETS | 87,208,526 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 50,124 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 84,421 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 11,052,798 |
| Regular shares | 34,144,703 |
| All Other Shares & Deposits | 33,376,810 |
| TOTAL SHARES & DEPOSITS | 78,574,312 |
| TOTAL LIABILITIES | 78,708,857 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 8,499,669 |
| TOTAL EQUITY | 8,499,669 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 87,208,526 |
| INCOME & EXPENSE | |
| Loan Income | 2,676,444 |
| Investment Income | 596,886 |
| Other Income | 409,375 |
| Total Employee Compensation & Benefits | 603,479 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,146,716 |
| Non-operating Income & (Expense) | 9,747 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 315,828 |
| Cost of Funds | 1,000,500 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 797,714 |
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