State credit union · Aurora, Illinois · NCUA charter #65906
Aurora Postal Employees
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $1.9M
- Total assets
- 428
- Members
- 20.8%
- Net-worth ratio
Aurora Postal Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #65906 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Aurora Postal Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth54
- Liquidity (loan-to-share)100
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 20.77%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 20.77% | 30% |
| Delinquency Rate | 6.63% | 25% |
| Return on Assets | 1.58% | 15% |
| Member Growth | -0.47% | 15% |
| Loan-to-Share Ratio | 87.81% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.9M | 428 |
| 2024Q4 | $1.9M | 430 |
| 2023Q4 | $2.1M | 433 |
Credit Union Details
- Charter Number
- 65906
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Illinois
- City
- Aurora
- Data Quarter
- 2025Q4
What This Data Says About Aurora Postal Employees
Headquartered in Aurora, Illinois, Aurora Postal Employees is a state credit union with 428 members, $1.9M in total assets, and $1.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 68/100 (Good), driven in part by a net worth ratio of 20.77% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #65906 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: 6.63% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Meanwhile a 87.81% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.58% on net income of $31K 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 -0.47%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
- TAYLORVILLE SCHOOL EMPLOYEESTaylorville, IL · Under $2M62Health
- PARK MANOR CHRISTIAN CHURCHCHICAGO, IL · Under $2M64Health
- COLLEGE AND UNIVERSITYChicago, IL · Under $2M74Health
- ETHICON SUTURERiver Forest, IL · Under $2M91Health
- CLIFFORD-JACOBS EMPLOYEESCHAMPAIGN, IL · Under $2M70Health
Compare Aurora Postal Employees vs TAYLORVILLE SCHOOL EMPLOYEES
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 Aurora Postal Employees financially healthy?
Yes/no aside, the number is 68/100 (Good) - Aurora Postal Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 20.77% net worth ratio and 6.63% delinquency rate are the key drivers.
How does Aurora Postal Employees compare to other credit unions?
On PlainCU's health composite, Aurora Postal Employees lands at 68/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Aurora Postal Employees?
Membership eligibility for Aurora 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 Aurora Postal Employees directly for current membership requirements and application steps.
Is my money safe at Aurora Postal Employees?
Federal credit unions like Aurora 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. Aurora Postal Employees's net worth ratio of 20.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Aurora Postal Employees offer compared to banks?
Credit unions like Aurora 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 Aurora 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.