State credit union · BLOOMINGTON, Illinois · NCUA charter #64038

Bloomington Postal Employees

Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.

73
Health / 100
$21.0M
Total assets
1,416
Members
18.5%
Net-worth ratio

Bloomington Postal Employees - Share Insurance Coverage

Below: composite supervisory bracket and risk-based capital for charter #64038, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.

NCUSIF coverage gauge for Bloomington Postal Employees Share insurance under NCUSIF covers up to $250,000 per share owner. Bloomington Postal Employees holds approximately $17.1M in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 18.5 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 18.5% · $17.1M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Bloomington Postal Employees - Five Health Pillars

The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.

  • Capital (net worth ratio) 18.50% 30% weight
  • Asset quality (delinquency) 1.22% 25% weight
  • Earnings (ROA) -0.10% 15% weight
  • Member growth 3.06% 15% weight
  • Liquidity (loan-to-share) 30% 15% weight

Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

At 18.50%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$21.0M
Total Assets
1,416
Members
$5.2M
Total Loans
$17.1M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 18.50% 30%
Delinquency Rate 1.22% 25%
Return on Assets -0.10% 15%
Member Growth 3.06% 15%
Loan-to-Share Ratio 30.37% 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 $21.0M 1,416
2024Q4 $21.3M 1,374
2023Q4 $23.0M 1,453

Credit Union Details

Charter Number
64038
Type
State
Field of Membership
Other
Peer Group
$10M–$50M
State
Illinois
City
BLOOMINGTON
Data Quarter
2025Q4

What This Data Says About Bloomington Postal Employees

The five-factor composite scores Bloomington Postal Employees at 73/100 (Very Good), reflecting a net worth ratio of 18.50% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in BLOOMINGTON, Illinois, reports 1,416 members, $21.0M in total assets, and $5.2M in outstanding loans as of Q4 2025 under charter #64038 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).

1.22% 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 looser than peers. Deposit deployment is captured by the 30.37% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.10% on net income of $-20053 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 3.06%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.

Nearby Credit Unions in Illinois

A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.

Compare Bloomington Postal Employees vs KONE 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 Bloomington Postal Employees financially healthy?

Bloomington Postal Employees has a financial health score of 73/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.50% and delinquency rate of 1.22%.

How does Bloomington Postal Employees compare to other credit unions?

On PlainCU's health composite, Bloomington Postal Employees lands at 73/100, compared to a peer group average for $10M–$50M 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 Bloomington Postal Employees?

Membership eligibility for Bloomington 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 Bloomington Postal Employees directly for current membership requirements and application steps.

Is my money safe at Bloomington Postal Employees?

Federal credit unions like Bloomington 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. Bloomington Postal Employees's net worth ratio of 18.50% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Bloomington Postal Employees offer compared to banks?

Credit unions like Bloomington 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 Bloomington 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.