State credit union · Decatur, Illinois · NCUA charter #65841
Decatur Postal
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $6.5M
- Total assets
- 490
- Members
- 22.4%
- Net-worth ratio
Decatur Postal - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #65841: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Decatur Postal - 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)69
- Earnings (ROA)84
- Member growth0
- Liquidity (loan-to-share)71
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 22.36% 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 | 22.36% | 30% |
| Delinquency Rate | 1.38% | 25% |
| Return on Assets | 0.34% | 15% |
| Member Growth | -7.89% | 15% |
| Loan-to-Share Ratio | 50.92% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.5M | 490 |
| 2024Q4 | $6.6M | 532 |
| 2023Q4 | $6.6M | 563 |
Credit Union Details
- Charter Number
- 65841
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Decatur
- Data Quarter
- 2025Q4
What This Data Says About Decatur Postal
Decatur Postal is a state credit union headquartered in Decatur, Illinois, serving 490 members with $6.5M in total assets and $2.6M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 71/100 (Very Good), anchored by a net worth ratio of 22.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #65841 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
On loan book quality: 1.38% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Meanwhile a 50.92% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.34% on net income of $22K 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 -7.89%. 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 Decatur Postal financially healthy?
Decatur Postal has a financial health score of 71/100 (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 22.36% and delinquency rate of 1.38%.
How does Decatur Postal compare to other credit unions?
On PlainCU's health composite, Decatur Postal lands at 71/100, compared to a peer group average for $2M–$10M 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 Decatur Postal?
Membership eligibility for Decatur Postal depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Decatur Postal directly for current membership requirements and application steps.
Is my money safe at Decatur Postal?
Federal credit unions like Decatur Postal 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. Decatur Postal's net worth ratio of 22.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Decatur Postal offer compared to banks?
Credit unions like Decatur Postal 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 Decatur Postal 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.