Federal credit union · Chicago, Illinois · NCUA charter #95826
Chicago Post Office Employees
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $28.1M
- Total assets
- 4,928
- Members
- 22.3%
- Net-worth ratio
Chicago Post Office Employees scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $28.1M; members 4,928; net-worth ratio 22.27%; health rank #3,382 of 4,374; healthier than 21st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,382 of 4,374 health · 2025Q4Chicago Post Office · health 73/100 · $28.1M · 2025Q4
- ASSETS 73/100
- MEM 22.3%
- RANK 2.95%
- PHOTO 0.68%
- BOOK $28.1M
- CHARTER 4,928
- NCUSIF #3,382/4,374
- CAMELS Texas Associations of Professionals
- HEALTH 95826
Call Report peers
Chicago Post Office Employees in the assets neighbourhood
Chicago Post Office Employees's $28.1M assets sit next to Texas Associations of Professionals ($28.1M) 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.
Chicago Post Office 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
73 21st percentile higher than 21% 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
Chicago Post Office Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #95826: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Chicago Post Office Employees: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 22.27% vs peer 14.86% (+7.41 pp).
- Widest shortfall vs peers is Delinquency Rate: +1.80 pp (2.95% vs 1.15%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Chicago Post Office Employees in Illinois
- Health composite ranks #148 of 192 among scored Illinois credit unions.
- Illinois assets place: #90 of 192.
- Membership ranks #65 of 192 among Illinois CUs with a reported count (4,928 members).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Chicago Post Office Employees: 2025Q4 → 2026Q1
Chicago Post Office Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.5% from $28.1M (2025Q4) to $27.7M (2026Q1).
- Net-worth ratio shifted +0.34 pp (21.93% → 22.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 22.27% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 6.6 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 12.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.27% | +7.41 pp |
| Delinquency Rate | 2.95% | +1.80 pp |
| Return on Assets | 0.68% | -0.03 pp |
| Member Growth | 0.10% | - |
| Loan-to-Share Ratio | 58.94% | -0.86 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Chicago Post Office filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $27.7M | - |
| 2025Q4 | $28.1M | 4,928 |
| 2024Q4 | $28.1M | 4,923 |
| 2023Q4 | $28.2M | 4,899 |
Credit Union Details
- Charter Number
- 95826
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
Branch Locations (3)
Chicago Post Office Employees operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CPOECU Main Branch (Main Office) | Chicago, IL |
| CPOECU DT BRANCH | Chicago, IL |
| CPOECU MAIN BRANCH | CHICAGO, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Chicago Post Office Employees nationwide neighbourhoods
Chicago Post Office Employees's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($28.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- Chicago Post Office Employees ranks #3,382 of 4,374 nationally on financial health and #148 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kaskaskia Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kaskaskia Valley
- 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 Chicago Post Office Employees financially healthy?
Yes/no aside, the number is 73/100 (Very Good) - Chicago Post Office 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 #3,382 of 4,374; by total assets it ranks #2,901 of 4,374 nationally (same basis as /rankings/largest); and #90 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 22.27% net worth ratio and 2.95% delinquency rate are the key drivers.
How does Chicago Post Office Employees compare to other credit unions?
73/100 is Chicago Post Office 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 Chicago Post Office Employees?
Membership eligibility for Chicago Post Office Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Chicago Post Office Employees directly for current membership requirements and application steps.
Is my money safe at Chicago Post Office Employees?
Federal credit unions like Chicago Post Office 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. Chicago Post Office Employees's net worth ratio of 22.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Chicago Post Office Employees offer compared to banks?
Credit unions like Chicago Post Office 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 Chicago Post Office 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.