Federal credit union · Mount Vernon, New York · NCUA charter #132
Mount Vernon Ny Postal Employees
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $1.0M
- Total assets
- 143
- Members
- 17.3%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)66
- Member growth0
- Liquidity (loan-to-share)51
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
17.27% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.27% | 30% |
| Delinquency Rate | 0.30% | 25% |
| Return on Assets | 0.16% | 15% |
| Member Growth | -7.74% | 15% |
| Loan-to-Share Ratio | 18.74% | 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 | $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
What This Data Says About Mount Vernon Ny Postal Employees
143 members and $1.0M in total assets sit behind Mount Vernon Ny Postal Employees, a federal credit union in Mount Vernon, New York, which posts a health score of 73/100 (Very Good) on the five-factor composite, with $155K in outstanding loans as of Q4 2025 and a net worth ratio of 17.27% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #132 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 0.30% 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 tighter than peers - and a 18.74% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.16% 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 -7.74%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Low Income) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 $2M48Health
- STRATTON AIR NATIONAL GUARDSCOTIA, NY · Under $2M94Health
- BECCO BUFFALOTonawanda, NY · Under $2M98Health
Compare Mount Vernon Ny Postal Employees vs CHURCH OF THE MASTER
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 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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.27% 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 17.27% 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.
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.