Federal credit union · GAITHERSBURG, Maryland · NCUA charter #8001
Mvp Postal and Printing
Health score 55/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $3.6M
- Total assets
- 574
- Members
- 10.1%
- Net-worth ratio
Mvp Postal and Printing - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #8001 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Mvp Postal and Printing - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)53
- Earnings (ROA)20
- Member growth0
- Liquidity (loan-to-share)61
Weighted composite: 55/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.10% | 30% |
| Delinquency Rate | 1.91% | 25% |
| Return on Assets | -0.17% | 15% |
| Member Growth | -21.37% | 15% |
| Loan-to-Share Ratio | 35.66% | 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 | $3.6M | 574 |
| 2024Q4 | $3.6M | 730 |
| 2023Q4 | $3.9M | 606 |
Credit Union Details
- Charter Number
- 8001
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Maryland
- City
- GAITHERSBURG
- Data Quarter
- 2025Q4
What This Data Says About Mvp Postal and Printing
The five-factor composite scores Mvp Postal and Printing at 55/100 (Fair), reflecting a net worth ratio of 10.10% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in GAITHERSBURG, Maryland, reports 574 members, $3.6M in total assets, and $1.2M in outstanding loans as of Q4 2025 under charter #8001 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Deposits deployed into lending sit at a 35.66% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.91% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Return on assets stands at -0.17% on net income of $-6151 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 -21.37%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Multiple Common Bond) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Maryland
A look at other Maryland credit unions, ranked by how closely their peer group and asset size match this one.
- MASTERS, MATES & PILOTS (MM&P)Linthicum, MD · $2M–$10M92Health
- 1897Salisbury, MD · $2M–$10M78Health
- CHOPTANK ELECTRIC COOP EMPLOYDenton, MD · $2M–$10M73Health
- KOREAN CATHOLICOlney, MD · $2M–$10M48Health
- LOCAL 355 MDBALTIMORE, MD · $2M–$10M38Health
Compare Mvp Postal and Printing vs MASTERS, MATES & PILOTS (MM&P)
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 Mvp Postal and Printing financially healthy?
Mvp Postal and Printing scores 55/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.10% net worth ratio and a 1.91% delinquency rate.
How does Mvp Postal and Printing compare to other credit unions?
PlainCU's health composite puts Mvp Postal and Printing at 55/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Mvp Postal and Printing?
Mvp Postal and Printing serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Mvp Postal and Printing directly for the current list of qualifying groups.
Is my money safe at Mvp Postal and Printing?
Federal credit unions like Mvp Postal and Printing 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. Mvp Postal and Printing's net worth ratio of 10.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mvp Postal and Printing offer compared to banks?
Credit unions like Mvp Postal and Printing 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 Mvp Postal and Printing 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.