Federal credit union · NORTH READING, Massachusetts · NCUA charter #19446
Middlesex-essex Postal Employees
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $4.7M
- Total assets
- 632
- Members
- 34.2%
- Net-worth ratio
Middlesex-essex Postal Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #19446 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Middlesex-essex Postal Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)94
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)70
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 34.21%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 34.21% | 30% |
| Delinquency Rate | 0.64% | 25% |
| Return on Assets | 1.38% | 15% |
| Member Growth | -5.81% | 15% |
| Loan-to-Share Ratio | 49.89% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $4.7M | 632 |
| 2024Q4 | $4.6M | 671 |
| 2023Q4 | $5.1M | 220 |
Credit Union Details
- Charter Number
- 19446
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- NORTH READING
- Data Quarter
- 2025Q4
What This Data Says About Middlesex-essex Postal Employees
Charter #19446, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Middlesex-essex Postal Employees, a federal credit union in NORTH READING, Massachusetts with 632 members, $4.7M in total assets, and $1.5M in outstanding loans as of Q4 2025. The five-factor composite scores it 79/100 (Very Good), helped by a net worth ratio of 34.21% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.64% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Meanwhile a 49.89% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.38% on net income of $65K 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 -5.81%. 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 Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
- REVERE FIREFIGHTERSRevere, MA · $2M–$10M80Health
- LYNN TEACHERSLYNN, MA · $2M–$10M81Health
- NORWOOD TOWN EMPLOYEESNorwood, MA · $2M–$10M69Health
- HEALTH ALLIANCESOMERVILLE, MA · $2M–$10M77Health
- BELMONT MUNICIPALBELMONT, MA · $2M–$10M92Health
Compare Middlesex-essex Postal Employees vs REVERE FIREFIGHTERS
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 Middlesex-essex Postal Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Middlesex-essex Postal Employees carries a financial health score of 79/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 34.21% net worth ratio and a 0.64% delinquency rate.
How does Middlesex-essex Postal Employees compare to other credit unions?
On PlainCU's health composite, Middlesex-essex Postal Employees lands at 79/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Middlesex-essex Postal Employees?
Middlesex-essex 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 Middlesex-essex Postal Employees directly to confirm current membership steps.
Is my money safe at Middlesex-essex Postal Employees?
Federal credit unions like Middlesex-essex 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. Middlesex-essex Postal Employees's net worth ratio of 34.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Middlesex-essex Postal Employees offer compared to banks?
Credit unions like Middlesex-essex 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 Middlesex-essex 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.