State credit union · Corpus Christi, Texas · NCUA charter #67963
Corpus Christi Postal Employees
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $16.6M
- Total assets
- 1,888
- Members
- 20.2%
- Net-worth ratio
Corpus Christi Postal Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67963 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Corpus Christi 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)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth76
- Liquidity (loan-to-share)92
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 20.17% 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 | 20.17% | 30% |
| Delinquency Rate | 0.05% | 25% |
| Return on Assets | 1.78% | 15% |
| Member Growth | 2.05% | 15% |
| Loan-to-Share Ratio | 64.59% | 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 | $16.6M | 1,888 |
| 2024Q4 | $15.8M | 1,850 |
| 2023Q4 | $15.5M | 1,830 |
Credit Union Details
- Charter Number
- 67963
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Corpus Christi
- Data Quarter
- 2025Q4
What This Data Says About Corpus Christi Postal Employees
Corpus Christi Postal Employees is a state credit union headquartered in Corpus Christi, Texas, serving 1,888 members with $16.6M in total assets and $8.8M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 95/100 (Excellent), anchored by a net worth ratio of 20.17% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #67963 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 64.59% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.05% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 1.78% on net income of $294K 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 2.05%. 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 Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
- MARSHALL T & P EMPLOYEESMARSHALL, TX · $10M–$50M93Health
- MEMBER PREFERREDFort Worth, TX · $10M–$50M73Health
- TXDOTAbilene, TX · $10M–$50M90Health
- SEAGOVILLESeagoville, TX · $10M–$50M86Health
- MIDLAND MUNICIPAL EMPLOYEESMidland, TX · $10M–$50M78Health
Compare Corpus Christi Postal Employees vs MARSHALL T & P 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 Corpus Christi Postal Employees financially healthy?
Yes/no aside, the number is 95/100 (Excellent) - Corpus Christi Postal Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 20.17% net worth ratio and 0.05% delinquency rate are the key drivers.
How does Corpus Christi Postal Employees compare to other credit unions?
Corpus Christi Postal Employees scores 95/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Corpus Christi Postal Employees?
Membership eligibility for Corpus Christi 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 Corpus Christi Postal Employees directly for current membership requirements and application steps.
Is my money safe at Corpus Christi Postal Employees?
Federal credit unions like Corpus Christi 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. Corpus Christi Postal Employees's net worth ratio of 20.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Corpus Christi Postal Employees offer compared to banks?
Credit unions like Corpus Christi 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 Corpus Christi 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.