Federal credit union · NORTH READING, Massachusetts · NCUA charter #19446
Middlesex-Essex Postal Employees
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $4.7M
- Total assets
- 632
- Members
- 35.2%
- Net-worth ratio
Middlesex-Essex Postal Employees scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.7M; members 632; net-worth ratio 35.20%; health rank #2,803 of 4,374; healthier than 33rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,803 of 4,374 health · 2025Q4Middlesex-Essex Postal · health 79/100 · $4.7M · 2025Q4
- BOOK 79/100
- CHARTER 35.2%
- NCUSIF 0.64%
- CAMELS 1.38%
- HEALTH $4.7M
- NW 632
- DELQ #2,803/4,374
- ROA n/a
- ASSETS 19446
Call Report peers
Middlesex-Essex Postal Employees carries $4.7M 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.
Middlesex-Essex 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
79 33rd percentile higher than 33% 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
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.
Peer-gap read for Middlesex-Essex Postal Employees
- Net Worth Ratio leads the peer set - 35.20% here, 19.06% peer average (+16.14 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.71 pp (49.89% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Middlesex-Essex Postal Employees: in-state Call Report ranks
- Health composite ranks #82 of 126 among scored Massachusetts credit unions.
- By total assets, Middlesex-Essex Postal Employees is #116 of 126 in Massachusetts.
- Massachusetts membership ordinal: #114 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Middlesex-Essex Postal Employees Call Report trajectory
Middlesex-Essex Postal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $4.7M (2025Q4) to $4.9M (2026Q1).
- Net-worth ratio shifted -0.62 pp (35.82% → 35.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 35.20%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.6 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.4 pts
Middlesex-Essex Postal Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 35.20% | +16.14 pp |
| Delinquency Rate | 0.64% | -1.17 pp |
| Return on Assets | 1.38% | +0.93 pp |
| Member Growth | -5.81% | - |
| Loan-to-Share Ratio | 49.89% | -13.71 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Middlesex-Essex Postal filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.9M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Middlesex-Essex Postal Employees runs one office.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | North Reading, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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
Other-state peers near Middlesex-Essex Postal Employees
Middlesex-Essex Postal Employees's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Middlesex-Essex Postal Employees ranks #2,803 of 4,374 nationally on financial health and #82 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Revere Firefighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Revere Firefighters
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #2,803 of 4,374; by total assets it ranks #3,918 of 4,374 nationally (same basis as /rankings/largest); and #116 of 126 within Massachusetts. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 35.20% 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 35.20% 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.
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.