Federal credit union · Meriden, Connecticut · NCUA charter #153
Meriden Postal Employees
Health score 51/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 51
- Health / 100
- $349K
- Total assets
- 51
- Members
- 21.3%
- Net-worth ratio
Meriden Postal Employees scores 51/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $349K; members 51; net-worth ratio 21.35%; health rank #4,248 of 4,374; healthier than 3rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,248 of 4,374 health · 2025Q4Meriden Postal Employees · health 51/100 · $349K · 2025Q4
- DELQ 51/100
- ROA 21.3%
- ASSETS 23.73%
- MEM 0.45%
- RANK $349K
- PHOTO 51
- BOOK #4,248/4,374
- CHARTER n/a
- NCUSIF 153
Call Report peers
Meriden Postal Employees carries $349K 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.
Meriden Postal Employees 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
51 3rd percentile higher than 3% 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
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.
Where Meriden Postal Employees diverges from peer averages
- Largest favorable gap: Return on Assets at 0.45% vs peer 0.22% (+0.23 pp).
- Loan-to-Share Ratio trails the peer set - 12.51% here, 52.70% peer average (-40.19 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Meriden Postal Employees sits in Connecticut
- Health composite ranks #61 of 64 among scored Connecticut credit unions.
- Connecticut assets place: #62 of 64.
- Member book place in Connecticut: #64 of 64.
In-state ordinals use the live credit_unions table for CT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Meriden Postal Employees's 5300 filing moved
Meriden Postal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $349K (2025Q4) to $350K (2026Q1).
- Net-worth ratio shifted -1.05 pp (22.40% → 21.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 21.35% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 51/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 51.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 14.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 6.7 pts
Call Report ratios for Meriden Postal Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.35% | -1.58 pp |
| Delinquency Rate | 23.73% | +19.25 pp |
| Return on Assets | 0.45% | +0.23 pp |
| Member Growth | -5.56% | - |
| Loan-to-Share Ratio | 12.51% | -40.19 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $350K | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, Meriden Postal Employees runs 2 offices.
| Office | City |
|---|---|
| MERIDEN POSTAL EMPLOYEES F.C.U. (Main Office) | Meriden, CT |
| John Ginty,Supervisory Committee | Meriden, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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 $2M60Health
- EAST END BAPTIST TABERNACLEBRIDGEPORT, CT · Under $2M77Health
- KIEF PROTECTIVE MUTUAL BENEFIT ASS.Bloomfield, CT · Under $2M68Health
- TRUMBULLTrumbull, CT · $2M–$10M84Health
- BRIDGEPORT POST OFFICEBridgeport, CT · $2M–$10M78Health
Compare Meriden Postal Employees vs FIRST BAPTIST CHURCH (STRATFORD)
Meriden Postal Employees nationwide neighbourhoods
Cross-state asset and health neighbours for Meriden Postal Employees - kept outside Connecticut; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (51/100 here).
Using this data
- Meriden Postal Employees ranks #4,248 of 4,374 nationally on financial health and #61 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Baptist Church (Stratford) is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Baptist Church (Stratford)
- Rates and health both vary by institution, not just by state -- see how Connecticut credit unions compare overall before assuming this one is typical. Connecticut 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 Meriden Postal Employees financially healthy?
Yes/no aside, the number is 51/100 (Fair) - Meriden Postal Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,248 of 4,374; by total assets it ranks #4,325 of 4,374 nationally (same basis as /rankings/largest); and #62 of 64 within Connecticut. Above 80 reads excellent, below 50 warrants closer monitoring; a 21.35% 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 51/100 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 21.35% 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.
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.