State credit union · AMARILLO, Texas · NCUA charter #67639
Amarillo Postal Employees
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $19.1M
- Total assets
- 1,838
- Members
- 13.0%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)63
- Member growth48
- Liquidity (loan-to-share)67
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.03%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.03% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.13% | 15% |
| Member Growth | -1.02% | 15% |
| Loan-to-Share Ratio | 44.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Amarillo Postal Employees
Amarillo Postal Employees is a state credit union headquartered in AMARILLO, Texas, serving 1,838 members with $19.1M in total assets and $7.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 82/100 (Excellent), anchored by a net worth ratio of 13.03% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #67639 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 44.93% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.13% on net income of $25K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.02%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.03% 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 13.03% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.