Federal credit union · NEW HARTFORD, New York · NCUA charter #22931
G.P.O.
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $608.2M
- Total assets
- 42,772
- Members
- 11.5%
- Net-worth ratio
G.P.O. scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $608.2M; members 42,772; net-worth ratio 11.51%; health rank #193 of 4,374; healthier than 95th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#193 of 4,374 health · 2025Q4G.P.O. · health 97/100 · $608.2M · 2025Q4
Call Report peers
G.P.O. in the assets neighbourhood
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G.P.O. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); G.P.O. sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where G.P.O. diverges from peer averages
- Return on Assets leads the peer set - 1.14% here, 0.51% peer average (+0.63 pp).
- Loan-to-Share Ratio trails the peer set - 59.80% here, 83.90% peer average (-24.10 pp).
G.P.O.: in-state Call Report ranks
- Health composite ranks #14 of 272 among scored New York credit unions.
- Assets rank #32 of 272 inside New York ($608.2M reported).
- Member book place in New York: #30 of 272.
- One place up in New York, PITTSFORD (#13) ties at 97/100; one place down, The Summit (#15) ties at 97/100.
G.P.O.: 2025Q4 → 2026Q1
G.P.O.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $608.2M (2025Q4) to $621.7M (2026Q1).
- Net-worth ratio shifted -0.03 pp (11.54% → 11.51%).
This credit union's 11.51% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
G.P.O. gives up 3 points in total. Loan-to-Share Ratio costs the most, 2.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 14.3 pts
- Loan-to-Share Ratio 12.7 pts
G.P.O. health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.51% | +0.33 pp |
| Delinquency Rate | 0.47% | -0.40 pp |
| Return on Assets | 1.14% | +0.63 pp |
| Member Growth | 4.39% | - |
| Loan-to-Share Ratio | 59.80% | -24.10 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $621.7M | - |
| 2025Q4 | $608.2M | 42,772 |
| 2024Q4 | $548.8M | 40,975 |
| 2023Q4 | $507.6M | 38,680 |
Credit Union Details
- Charter Number
- 22931
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- NEW HARTFORD
- Data Quarter
- 2025Q4
Branch Locations (9)
The NCUA branch filing lists 9 physical offices for G.P.O., spread across 7 cities.
| Office | City |
|---|---|
| GPO Federal Credit Union (Main Office) | New Hartford, NY |
| GPO Federal Credit Union | Barneveld, NY |
| GPO Federal Credit Union | Dolgeville, NY |
| GPO Federal Credit Union | Ilion, NY |
| GPO Federal Credit Union | New Hartford, NY |
| GPO Federal Credit Union | Oneida, NY |
| GPO Federal Credit Union | Rome, NY |
| GPO Federal Credit Union | Utica, NY |
| GPO Federal Credit Union | Utica, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
G.P.O. nationwide neighbourhoods
Similar total assets
Using this data
- G.P.O. ranks #193 of 4,374 nationally on financial health and #14 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PITTSFORD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PITTSFORD
Frequently Asked Questions
Is G.P.O. financially healthy?
On its 2025Q4 NCUA 5300 filing, G.P.O. scores 97/100 (Excellent), with a 11.51% net worth ratio and 0.47% of loans delinquent. It ranks #193 of 4,374 nationally on health and #14 of 272 in New York.
How does G.P.O. compare to other credit unions?
G.P.O. scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (1.14% vs 0.51%). Its widest shortfall is loan-to-share ratio (59.80% vs 83.90%).
How can I join G.P.O.?
G.P.O. operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact G.P.O. directly for the exact boundaries and application steps.
Is my money safe at G.P.O.?
G.P.O. 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. G.P.O.'s net worth ratio of 11.51% 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.