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
- MEM 43/100
- RANK 21.8%
- PHOTO 26.23%
- BOOK -3.31%
- CHARTER $224K
- NCUSIF 48
- CAMELS #4,323/4,374
- HEALTH n/a
- NW 4246
Call Report peers
Far Rockaway Postal carries $224K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Far Rockaway Postal 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
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
Far Rockaway Postal - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #4246: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Far Rockaway Postal Call Report trajectory
Far Rockaway Postal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.6% from $224K (2025Q4) to $223K (2026Q1).
- Net-worth ratio shifted -7.60 pp (29.35% → 21.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 43.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
Two NCUA Call Report peer sets for Far Rockaway Postal, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (43/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 Far Rockaway Postal financially healthy?
A 21.75% net worth ratio and a 26.23% delinquency rate feed into Far Rockaway Postal's financial health score of 43/100 (Below Average), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,323 of 4,374; by total assets it ranks #4,342 of 4,374 nationally (same basis as /rankings/largest); and #269 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Far Rockaway Postal compare to other credit unions?
43/100 is Far Rockaway Postal's score on PlainCU's health composite, compared to a peer group average for Under $2M 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 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?
Federal credit unions like Far Rockaway 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. Far Rockaway Postal's net worth ratio of 21.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Far Rockaway Postal offer compared to banks?
Credit unions like Far Rockaway 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 Far Rockaway Postal 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.