State credit union · AMARILLO, Texas · NCUA charter #67639
Amarillo Postal Employees
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $19.1M
- Total assets
- 1,838
- Members
- 12.6%
- Net-worth ratio
Amarillo Postal Employees scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $19.1M; members 1,838; net-worth ratio 12.60%; health rank #2,430 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,430 of 4,374 health · 2025Q4Amarillo Postal Employees · health 82/100 · $19.1M · 2025Q4
- CAMELS 82/100
- HEALTH 12.6%
- NW 0.00%
- DELQ 0.13%
- ROA $19.1M
- ASSETS 1,838
- MEM #2,430/4,374
- RANK Hamilton Horizons
- PHOTO 67639
Call Report peers
Amarillo Postal Employees in the assets neighbourhood
Amarillo Postal Employees's $19.1M assets sit next to Hamilton Horizons ($19.1M) 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.
Amarillo Postal Employees 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
82 43rd percentile higher than 43% 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
Amarillo Postal Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67639 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Amarillo Postal Employees vs $10M–$50M peers
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 1.15% (-1.15 pp).
- Largest lag: Loan-to-Share Ratio at 44.93% vs peer 59.80% (-14.87 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Amarillo Postal Employees in Texas
- Texas health ordinal: #221 of 386.
- Texas assets place: #261 of 386.
- Membership ranks #267 of 386 among Texas CUs with a reported count (1,838 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Amarillo Postal Employees's 5300 filing moved
Amarillo Postal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $19.1M (2025Q4) to $19.6M (2026Q1).
- Net-worth ratio shifted -0.43 pp (13.03% → 12.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.5 pts
- Member Growth 7.2 pts
- Loan-to-Share Ratio 10.3 pts
Amarillo Postal Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.60% | -2.26 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.13% | -0.57 pp |
| Member Growth | -1.02% | - |
| Loan-to-Share Ratio | 44.93% | -14.87 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).
Call Report history - Amarillo Postal Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $19.6M | - |
| 2025Q4 | $19.1M | 1,838 |
| 2024Q4 | $18.6M | 1,857 |
| 2023Q4 | $18.3M | 1,836 |
Credit Union Details
- Charter Number
- 67639
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- AMARILLO
- Data Quarter
- 2025Q4
Branch Location
Amarillo Postal Employees operates a single office in AMARILLO, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| AMARILLO POSTAL EMPLOYEES CREDIT UNION (Main Office) | AMARILLO, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for Amarillo Postal Employees
Amarillo Postal Employees's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($19.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Amarillo Postal Employees ranks #2,430 of 4,374 nationally on financial health and #221 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GERMANIA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GERMANIA
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 Amarillo Postal Employees financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Amarillo Postal Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,430 of 4,374; by total assets it ranks #3,179 of 4,374 nationally (same basis as /rankings/largest); and #261 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.60% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Amarillo Postal Employees compare to other credit unions?
82/100 is Amarillo Postal Employees's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Amarillo Postal Employees?
Membership eligibility for Amarillo Postal Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Amarillo Postal Employees directly for current membership requirements and application steps.
Is my money safe at Amarillo Postal Employees?
Federal credit unions like Amarillo Postal Employees 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. Amarillo Postal Employees's net worth ratio of 12.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Amarillo Postal Employees offer compared to banks?
Credit unions like Amarillo Postal Employees 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 Amarillo Postal Employees 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.