Federal credit union · OLEAN, New York · NCUA charter #7656
Olean Teachers' and Postal
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $26.5M
- Total assets
- 1,703
- Members
- 10.9%
- Net-worth ratio
Olean Teachers' and Postal - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #7656. See our deposit-insurance coverage note.
Olean Teachers' and Postal - 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)80
- Earnings (ROA)100
- Member growth81
- Liquidity (loan-to-share)64
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.89% 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 | 10.89% | 30% |
| Delinquency Rate | 0.99% | 25% |
| Return on Assets | 1.47% | 15% |
| Member Growth | 2.65% | 15% |
| Loan-to-Share Ratio | 40.58% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $26.5M | 1,703 |
| 2024Q4 | $25.9M | 1,659 |
| 2023Q4 | $25.1M | 1,659 |
Credit Union Details
- Charter Number
- 7656
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- OLEAN
- Data Quarter
- 2025Q4
What This Data Says About Olean Teachers' and Postal
Olean Teachers' and Postal is a federal credit union headquartered in OLEAN, New York, serving 1,703 members with $26.5M in total assets and $9.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 87/100 (Excellent), anchored by a net worth ratio of 10.89% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #7656 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.99% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 40.58% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.47% on net income of $388K 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 2.65%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
- LOCKPORT SCHOOLS & COMMUNITYLOCKPORT, NY · $10M–$50M88Health
- TRI-LAKESSARANAC LAKE, NY · $10M–$50M87Health
- NY FIREFIGHTERS BRAVESTalbany, NY · $10M–$50M83Health
- ALLEGANY FIRSTFillmore, NY · $10M–$50M80Health
- CANANDAIGUACANANDAIGUA, NY · $10M–$50M61Health
Compare Olean Teachers' and Postal vs LOCKPORT SCHOOLS & COMMUNITY
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 Olean Teachers' and Postal financially healthy?
Olean Teachers' and Postal scores 87/100 (Excellent) 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 10.89% net worth ratio and a 0.99% delinquency rate.
How does Olean Teachers' and Postal compare to other credit unions?
Five weighted metrics from NCUA filings produce Olean Teachers' and Postal's 87/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Olean Teachers' and Postal?
Olean Teachers' and Postal operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Olean Teachers' and Postal directly for the exact boundaries and application steps.
Is my money safe at Olean Teachers' and Postal?
Federal credit unions like Olean Teachers' and Postal 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. Olean Teachers' and Postal's net worth ratio of 10.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Olean Teachers' and Postal offer compared to banks?
Credit unions like Olean Teachers' and Postal 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 Olean Teachers' and Postal 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.