State credit union · NEWARK, New Jersey · NCUA charter #66159

Newark Post Office Employees

Health score 62/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.

62
Health / 100
$2.2M
Total assets
944
Members
28.6%
Net-worth ratio

Newark Post Office Employees - Share Insurance Coverage

Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66159. See our deposit-insurance coverage note.

NCUSIF coverage gauge for Newark Post Office Employees Share insurance under NCUSIF covers up to $250,000 per share owner. Newark Post Office Employees holds approximately $1.5M in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 28.6 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 28.6% · $1.5M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Newark Post Office Employees - Five Health Pillars

Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.

  • Capital (net worth ratio) 28.62% 30% weight
  • Asset quality (delinquency) 1.93% 25% weight
  • Earnings (ROA) -5.70% 15% weight
  • Member growth 0.32% 15% weight
  • Liquidity (loan-to-share) 38% 15% weight

Weighted composite: 62/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

This credit union's 28.62% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

$2.2M
Total Assets
944
Members
$564K
Total Loans
$1.5M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 28.62% 30%
Delinquency Rate 1.93% 25%
Return on Assets -5.70% 15%
Member Growth 0.32% 15%
Loan-to-Share Ratio 38.46% 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 $2.2M 944
2024Q4 $2.3M 941
2023Q4 $2.5M 969

Credit Union Details

Charter Number
66159
Type
State
Field of Membership
Other
Peer Group
$2M–$10M
State
New Jersey
City
NEWARK
Data Quarter
2025Q4

What This Data Says About Newark Post Office Employees

Charter #66159, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Newark Post Office Employees, a state credit union in NEWARK, New Jersey with 944 members, $2.2M in total assets, and $564K in outstanding loans as of Q4 2025. The five-factor composite scores it 62/100 (Good), helped by a net worth ratio of 28.62% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.

Deposits deployed into lending sit at a 38.46% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.93% 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 -5.70% on net income of $-124811 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 0.32%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.

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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 Newark Post Office Employees financially healthy?

Newark Post Office Employees has a financial health score of 62/100 (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 28.62% and delinquency rate of 1.93%.

How does Newark Post Office Employees compare to other credit unions?

Newark Post Office Employees scores 62/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Newark Post Office Employees?

Membership eligibility for Newark Post Office Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Newark Post Office Employees directly for current membership requirements and application steps.

Is my money safe at Newark Post Office Employees?

Federal credit unions like Newark Post Office 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. Newark Post Office Employees's net worth ratio of 28.62% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Newark Post Office Employees offer compared to banks?

Credit unions like Newark Post Office 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 Newark Post Office 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.