Federal credit union · Chicago, Illinois · NCUA charter #95826
Chicago Post Office Employees
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $28.1M
- Total assets
- 4,928
- Members
- 18.7%
- Net-worth ratio
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 - 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)26
- Earnings (ROA)100
- Member growth61
- Liquidity (loan-to-share)83
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 18.66% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.66% | 30% |
| Delinquency Rate | 2.95% | 25% |
| Return on Assets | 0.68% | 15% |
| Member Growth | 0.10% | 15% |
| Loan-to-Share Ratio | 58.94% | 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 | $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
What This Data Says About Chicago Post Office Employees
Charter #95826, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Chicago Post Office Employees, a federal credit union in Chicago, Illinois with 4,928 members, $28.1M in total assets, and $12.7M in outstanding loans as of Q4 2025. The five-factor composite scores it 73/100 (Very Good), helped by a net worth ratio of 18.66% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
2.95% 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 58.94% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.68% on net income of $191K 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 0.10%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.66% 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 18.66% 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.
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.