Federal credit union · Mount Vernon, New York · NCUA charter #132
Mount Vernon Ny Postal Employees
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $1.0M
- Total assets
- 143
- Members
- 16.5%
- Net-worth ratio
Mount Vernon Ny Postal Employees scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.0M; members 143; net-worth ratio 16.52%; health rank #3,392 of 4,374; healthier than 21st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,392 of 4,374 health · 2025Q4Mount Vernon Ny Postal · health 73/100 · $1.0M · 2025Q4
- BOOK 73/100
- CHARTER 16.5%
- NCUSIF 0.30%
- CAMELS 0.16%
- HEALTH $1.0M
- NW 143
- DELQ #3,392/4,374
- ROA n/a
- ASSETS 132
Call Report peers
Mount Vernon Ny Postal Employees carries $1.0M 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.
Mount Vernon Ny 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
73 21st percentile higher than 21% 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
Mount Vernon Ny Postal Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #132. See our deposit-insurance coverage note.
Mount Vernon Ny Postal Employees vs Under $2M peers
- Strongest edge vs 243 Under $2M peers is Delinquency Rate: -4.18 pp (0.30% vs 4.48%).
- Loan-to-Share Ratio trails the peer set - 18.74% here, 52.70% peer average (-33.96 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mount Vernon Ny Postal Employees: in-state Call Report ranks
- New York health ordinal: #195 of 272.
- New York assets place: #256 of 272.
- Member book place in New York: #264 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Mount Vernon Ny Postal Employees's 5300 filing moved
Mount Vernon Ny Postal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $1.0M (2025Q4) to $1.0M (2026Q1).
- Net-worth ratio shifted -0.75 pp (17.27% → 16.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.52% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.8 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.2 pts
Mount Vernon Ny Postal health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.52% | -6.41 pp |
| Delinquency Rate | 0.30% | -4.18 pp |
| Return on Assets | 0.16% | -0.07 pp |
| Member Growth | -7.74% | - |
| Loan-to-Share Ratio | 18.74% | -33.96 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 | $1.0M | - |
| 2025Q4 | $1.0M | 143 |
| 2024Q4 | $1.1M | 155 |
| 2023Q4 | $1.0M | 156 |
Credit Union Details
- Charter Number
- 132
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- Under $2M
- State
- New York
- City
- Mount Vernon
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Mount Vernon Ny Postal Employees runs one office.
| Office | City |
|---|---|
| Mount Vernon NY Postal Employees Federal Credit Union (Main Office) | Mount Vernon, 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.
- CHURCH OF THE MASTERNEW YORK, NY · Under $2M65Health
- B.S. AND C.P. HOSPITALS EMPLOYEESBronx, NY · Under $2M70Health
- ABYSSINIAN BAPTIST CHURCHNEW YORK CITY, NY · Under $2M65Health
- STRATTON AIR NATIONAL GUARDSCOTIA, NY · Under $2M94Health
- BECCO BUFFALOTonawanda, NY · Under $2M98Health
Compare Mount Vernon Ny Postal Employees vs CHURCH OF THE MASTER
Other-state peers near Mount Vernon Ny Postal Employees
Cross-state asset and health neighbours for Mount Vernon Ny Postal Employees - kept outside New York; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- Mount Vernon Ny Postal Employees ranks #3,392 of 4,374 nationally on financial health and #195 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Church of the Master is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Church of the Master
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 Mount Vernon Ny Postal Employees financially healthy?
Mount Vernon Ny Postal Employees has a financial health score of 73/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,392 of 4,374; by total assets it ranks #4,235 of 4,374 nationally (same basis as /rankings/largest); and #256 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.52% and delinquency rate of 0.30%.
How does Mount Vernon Ny Postal Employees compare to other credit unions?
Mount Vernon Ny Postal Employees scores 73/100 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 Mount Vernon Ny Postal Employees?
Mount Vernon Ny 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 Mount Vernon Ny Postal Employees directly to confirm current membership steps.
Is my money safe at Mount Vernon Ny Postal Employees?
Federal credit unions like Mount Vernon Ny 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. Mount Vernon Ny Postal Employees's net worth ratio of 16.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mount Vernon Ny Postal Employees offer compared to banks?
Credit unions like Mount Vernon Ny 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 Mount Vernon Ny 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.