Federal credit union · Far Rockaway, New York · NCUA charter #4246
Far Rockaway Postal
Health score 43/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 43
- Health / 100
- $224K
- Total assets
- 48
- Members
- 21.8%
- Net-worth ratio
Far Rockaway Postal scores 43/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $224K; members 48; net-worth ratio 21.75%; health rank #4,323 of 4,374; healthier than 1st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,323 of 4,374 health · 2025Q4Far Rockaway Postal · health 43/100 · $224K · 2025Q4
Call Report peers
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Far Rockaway Postal vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Far Rockaway Postal sits in 40-44 with 25 others.
43 1st percentile higher than 1% 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
Where Far Rockaway Postal diverges from peer averages
- Strongest edge vs 243 Under $2M peers is Loan-to-Share Ratio: +6.95 pp (59.65% vs 52.70%).
- Delinquency Rate trails the peer set - 26.23% here, 4.48% peer average (+21.75 pp).
Far Rockaway Postal: in-state Call Report ranks
- New York health ordinal: #267 of 272.
- New York assets place: #269 of 272.
- Membership ranks #272 of 272 among New York CUs with a reported count (48 members).
- One place up in New York, Upstate Milk Employees (#266) scores 47/100, 4 points higher; one place down, Triboro Postal (#268) ties at 43/100.
Far Rockaway Postal Call Report trajectory
Far Rockaway Postal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $224K (2025Q4) to $223K (2026Q1).
- Net-worth ratio shifted -7.60 pp (29.35% → 21.75%).
This credit union's 21.75% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 43/100 score is built
Far Rockaway Postal gives up 57 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.0 pts
Far Rockaway Postal vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.75% | -1.18 pp |
| Delinquency Rate | 26.23% | +21.75 pp |
| Return on Assets | -3.31% | -3.53 pp |
| Member Growth | -20.00% | - |
| Loan-to-Share Ratio | 59.65% | +6.95 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Far Rockaway Postal quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $223K | - |
| 2025Q4 | $224K | 48 |
| 2024Q4 | $228K | 60 |
| 2023Q4 | $309K | 69 |
Credit Union Details
- Charter Number
- 4246
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- Under $2M
- State
- New York
- City
- Far Rockaway
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Far Rockaway Postal runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Far Rockaway Postal Federal Credit Union (Main Office) | Far Rockaway, NY |
| Inwood Post Office | Inwood, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Other-state peers near Far Rockaway Postal
Similar health score
Using this data
- Far Rockaway Postal ranks #4,323 of 4,374 nationally on financial health and #267 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greater Centennial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greater Centennial
Frequently Asked Questions
Is Far Rockaway Postal financially healthy?
Far Rockaway Postal has a financial health score of 43/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,323 of 4,374 nationally on health and #267 of 272 in New York. Its net worth ratio is 21.75% and its delinquency rate 26.23%.
How does Far Rockaway Postal compare to other credit unions?
Far Rockaway Postal scores 43/100, higher than 1% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (59.65% vs 52.70%). Its widest shortfall is delinquency rate (26.23% vs 4.48%).
How can I join Far Rockaway Postal?
Far Rockaway Postal carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Far Rockaway Postal directly to confirm current membership steps.
Is my money safe at Far Rockaway Postal?
Far Rockaway Postal is a federal credit union; its shares are federally 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. Far Rockaway Postal's net worth ratio of 21.75% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.