State credit union · Atlanta, Georgia · NCUA charter #67389
Atlanta Postal
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $2.52B
- Total assets
- 123,067
- Members
- 13.2%
- Net-worth ratio
Atlanta Postal scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.52B; members 123,067; net-worth ratio 13.22%; health rank #2,578 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,578 of 4,374 health · 2025Q4Atlanta Postal · health 81/100 · $2.52B · 2025Q4
- BOOK 81/100
- CHARTER 13.2%
- NCUSIF 1.02%
- CAMELS -0.33%
- HEALTH $2.52B
- NW 123,067
- DELQ #2,578/4,374
- ROA KITSAP
- ASSETS 67389
Call Report peers
Atlanta Postal in the assets neighbourhood
Atlanta Postal's $2.52B assets sit next to KITSAP ($2.52B) 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.
Atlanta Postal 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
81 39th percentile higher than 39% 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
Atlanta Postal - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67389. See our deposit-insurance coverage note.
Atlanta Postal: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +5.57 pp (89.47% vs 83.90%).
- Return on Assets trails the peer set - -0.33% here, 0.51% peer average (-0.84 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Atlanta Postal sits in Georgia
- In Georgia, health place is #43 of 74 on the same NCUA-ratio sort used nationally.
- Georgia assets place: #4 of 74.
- Membership ranks #7 of 74 among Georgia CUs with a reported count (123,067 members).
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Atlanta Postal: 2025Q4 → 2026Q1
Atlanta Postal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $2.52B (2025Q4) to $2.51B (2026Q1).
- Net-worth ratio shifted +0.19 pp (13.03% → 13.22%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.22% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.8 pts
- Return on Assets 1.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.22% | +2.04 pp |
| Delinquency Rate | 1.02% | +0.15 pp |
| Return on Assets | -0.33% | -0.84 pp |
| Member Growth | 13.26% | - |
| Loan-to-Share Ratio | 89.47% | +5.57 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Atlanta Postal filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.51B | - |
| 2025Q4 | $2.52B | 123,067 |
| 2024Q4 | $2.38B | 108,659 |
| 2023Q4 | $2.42B | 105,190 |
Credit Union Details
- Charter Number
- 67389
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Georgia
- City
- Atlanta
- Data Quarter
- 2025Q4
Branch Locations (10)
Atlanta Postal operates 10 offices across 8 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Atlanta, GA |
| NDC | Atlanta, GA |
| Crown Road | Atlanta, GA |
| Muscogee County | Columbus, GA |
| East Metro Flagship Branch | Covington, GA |
| South DeKalb Mall Branch | Decatur, GA |
| North Metro | Duluth, GA |
| Bibb County | Macon, GA |
| Floyd County | Rome, GA |
| Savannah Flagship Branch | Savannah, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
More federally-insured credit unions based in Georgia, ordered by peer group match and asset size.
Cross-state Call Report peers for Atlanta Postal
Two NCUA Call Report peer sets for Atlanta Postal, both outside Georgia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.52B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Atlanta Postal ranks #2,578 of 4,374 nationally on financial health and #43 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Georgia United is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Georgia United
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia 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 Atlanta Postal financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Atlanta Postal carries a financial health score of 81/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,578 of 4,374; by total assets it ranks #208 of 4,374 nationally (same basis as /rankings/largest); and #4 of 74 within Georgia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.22% net worth ratio and a 1.02% delinquency rate.
How does Atlanta Postal compare to other credit unions?
81/100 is Atlanta Postal's score on PlainCU's health composite, compared to a peer group average for Over $500M 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 Atlanta Postal?
Membership eligibility for Atlanta Postal depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Atlanta Postal directly for current membership requirements and application steps.
Is my money safe at Atlanta Postal?
Federal credit unions like Atlanta Postal 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. Atlanta Postal's net worth ratio of 13.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Atlanta Postal offer compared to banks?
Credit unions like Atlanta Postal 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 Atlanta Postal 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.