State credit union · Aurora, Illinois · NCUA charter #65906
Aurora Postal Employees
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $1.9M
- Total assets
- 428
- Members
- 21.3%
- Net-worth ratio
Aurora Postal Employees scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.9M; members 428; net-worth ratio 21.28%; health rank #3,694 of 4,374; healthier than 15th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,694 of 4,374 health · 2025Q4Aurora Postal Employees · health 68/100 · $1.9M · 2025Q4
- PHOTO 68/100
- BOOK 21.3%
- CHARTER 6.63%
- NCUSIF 1.58%
- CAMELS $1.9M
- HEALTH 428
- NW #3,694/4,374
- DELQ n/a
- ROA 65906
Call Report peers
Aurora Postal Employees carries $1.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Aurora 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
68 15th percentile higher than 15% 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
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 vs Under $2M peers
- Strongest edge vs 243 Under $2M peers is Loan-to-Share Ratio: +35.11 pp (87.81% vs 52.70%).
- Largest lag: Delinquency Rate at 6.63% vs peer 4.48% (+2.15 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Aurora Postal Employees sits in Illinois
- Illinois health ordinal: #164 of 192.
- Assets rank #165 of 192 inside Illinois ($1.9M reported).
- Illinois membership ordinal: #158 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Aurora Postal Employees
Aurora Postal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $1.9M (2025Q4) to $2.0M (2026Q1).
- Net-worth ratio shifted +0.51 pp (20.77% → 21.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 21.28%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 68/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 14.8 pts
Aurora Postal Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.28% | -1.65 pp |
| Delinquency Rate | 6.63% | +2.15 pp |
| Return on Assets | 1.58% | +1.36 pp |
| Member Growth | -0.47% | - |
| Loan-to-Share Ratio | 87.81% | +35.11 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Aurora Postal Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.0M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Aurora Postal Employees.
| Office | City |
|---|---|
| Aurora Postal Employees Credit Union (Main Office) | Aurora, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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 $2M76Health
- ETHICON SUTURERiver Forest, IL · Under $2M91Health
- CLIFFORD-JACOBS EMPLOYEESCHAMPAIGN, IL · Under $2M70Health
Compare Aurora Postal Employees vs TAYLORVILLE SCHOOL EMPLOYEES
Other-state peers near Aurora Postal Employees
Two NCUA Call Report peer sets for Aurora Postal Employees, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
Using this data
- Aurora Postal Employees ranks #3,694 of 4,374 nationally on financial health and #164 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Taylorville School Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Taylorville School Employees
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,694 of 4,374; by total assets it ranks #4,138 of 4,374 nationally (same basis as /rankings/largest); and #165 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 21.28% 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 21.28% 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.
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.