Federal credit union · Far Rockaway, New York · NCUA charter #4246
Far Rockaway Postal
Health score 43/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 43
- Health / 100
- $224K
- Total assets
- 48
- Members
- 16.8%
- Net-worth ratio
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.
Far Rockaway Postal - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)84
Weighted composite: 43/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 16.76% 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 | 16.76% | 30% |
| Delinquency Rate | 26.23% | 25% |
| Return on Assets | -3.31% | 15% |
| Member Growth | -20.00% | 15% |
| Loan-to-Share Ratio | 59.65% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Far Rockaway Postal
48 members and $224K in total assets sit behind Far Rockaway Postal, a federal credit union in Far Rockaway, New York, which posts a health score of 43/100 (Below Average) on the five-factor composite, with $95K in outstanding loans as of Q4 2025 and a net worth ratio of 16.76% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #4246 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
Deposits deployed into lending sit at a 59.65% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 26.23% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Return on assets stands at -3.31% on net income of $-7432 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 -20.00%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Low Income) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, 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 Far Rockaway Postal financially healthy?
A 16.76% 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. 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 16.76% 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.
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.