Federal credit union · Meriden, Connecticut · NCUA charter #153
Meriden Postal Employees
Health score 47/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 47
- Health / 100
- $349K
- Total assets
- 51
- Members
- 8.4%
- Net-worth ratio
Meriden Postal Employees - Share Insurance Coverage
Charter #153's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Meriden Postal Employees - 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)87
- Asset quality (delinquency)0
- Earnings (ROA)95
- Member growth0
- Liquidity (loan-to-share)48
Weighted composite: 47/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.43% 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 | 8.43% | 30% |
| Delinquency Rate | 23.73% | 25% |
| Return on Assets | 0.45% | 15% |
| Member Growth | -5.56% | 15% |
| Loan-to-Share Ratio | 12.51% | 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 | $349K | 51 |
| 2024Q4 | $393K | 54 |
| 2023Q4 | $470K | 78 |
Credit Union Details
- Charter Number
- 153
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- Under $2M
- State
- Connecticut
- City
- Meriden
- Data Quarter
- 2025Q4
What This Data Says About Meriden Postal Employees
Headquartered in Meriden, Connecticut, Meriden Postal Employees is a federal credit union with 51 members, $349K in total assets, and $34K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 47/100 (Below Average), driven in part by a net worth ratio of 8.43% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #153 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 23.73% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers - and a 12.51% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.45% on net income of $2K 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 -5.56%. 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 Connecticut
More federally-insured credit unions based in Connecticut, ordered by peer group match and asset size.
- FIRST BAPTIST CHURCH (STRATFORD)Stratford, CT · Under $2M47Health
- EAST END BAPTIST TABERNACLEBRIDGEPORT, CT · Under $2M77Health
- KIEF PROTECTIVE MUTUAL BENEFIT ASS.Bloomfield, CT · Under $2M38Health
- TRUMBULLTrumbull, CT · $2M–$10M84Health
- BRIDGEPORT POST OFFICEBridgeport, CT · $2M–$10M78Health
Compare Meriden Postal Employees vs FIRST BAPTIST CHURCH (STRATFORD)
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 Meriden Postal Employees financially healthy?
Yes/no aside, the number is 47/100 (Below Average) - Meriden Postal Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.43% net worth ratio and 23.73% delinquency rate are the key drivers.
How does Meriden Postal Employees compare to other credit unions?
Meriden Postal Employees scores 47/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Meriden Postal Employees?
Meriden Postal Employees 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 Meriden Postal Employees directly to confirm current membership steps.
Is my money safe at Meriden Postal Employees?
Federal credit unions like Meriden Postal Employees 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. Meriden Postal Employees's net worth ratio of 8.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Meriden Postal Employees offer compared to banks?
Credit unions like Meriden Postal Employees 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 Meriden Postal Employees 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.