Federal credit union · OLEAN, New York · NCUA charter #7656
Olean Teachers' and Postal
Health score 87/100, grade A (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 scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $26.5M; members 1,703; net-worth ratio 10.92%; health rank #1,677 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,677 of 4,374 health · 2025Q4Olean Teachers' and Postal · health 87/100 · $26.5M · 2025Q4
Call Report peers
Olean Teachers' and Postal in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Olean Teachers' and Postal vs every NCUA-scored credit union
Olean Teachers' and Postal sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Olean Teachers' and Postal
- Return on Assets leads the peer set - 1.47% here, 0.70% peer average (+0.76 pp).
- Loan-to-Share Ratio trails the peer set - 40.58% here, 59.80% peer average (-19.22 pp).
Olean Teachers' and Postal: in-state Call Report ranks
- New York health ordinal: #97 of 272.
- Assets rank #167 of 272 inside New York ($26.5M reported).
- New York membership ordinal: #186 of 272.
- One place up in New York, MUNICIPAL (#96) ties at 87/100; one place down, VISIONS (#98) ties at 87/100.
How Olean Teachers' and Postal's 5300 filing moved
Olean Teachers' and Postal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $26.5M (2025Q4) to $27.1M (2026Q1).
- Net-worth ratio shifted +0.03 pp (10.89% → 10.92%).
10.92% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Olean Teachers' and Postal gives up 13 points in total. Loan-to-Share Ratio costs the most, 5.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.1 pts
- Return on Assets 15.0 pts
- Member Growth 12.2 pts
- Loan-to-Share Ratio 9.7 pts
Olean Teachers' and Postal vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.92% | -3.94 pp |
| Delinquency Rate | 0.99% | -0.16 pp |
| Return on Assets | 1.47% | +0.76 pp |
| Member Growth | 2.65% | - |
| Loan-to-Share Ratio | 40.58% | -19.22 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Olean Teachers' and Postal filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $27.1M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Olean Teachers' and Postal runs one office.
| Office | City |
|---|---|
| OLEAN TEACHERS' & POSTAL FEDERAL CREDIT UNION (Main Office) | OLEAN, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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–$50M90Health
- TRI-LAKESSARANAC LAKE, NY · $10M–$50M87Health
- NY FIREFIGHTERS BRAVESTalbany, NY · $10M–$50M83Health
- ALLEGANY FIRSTFillmore, NY · $10M–$50M80Health
- CANANDAIGUACANANDAIGUA, NY · $10M–$50M62Health
Compare Olean Teachers' and Postal vs LOCKPORT SCHOOLS & COMMUNITY
Nationwide credit unions with similar profiles
Using this data
- Olean Teachers' and Postal ranks #1,677 of 4,374 nationally on financial health and #97 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lockport Schools & Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lockport Schools & Community
Frequently Asked Questions
Is Olean Teachers' and Postal financially healthy?
Olean Teachers' and Postal has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,677 of 4,374 nationally on health and #97 of 272 in New York. Its net worth ratio is 10.92% and its delinquency rate 0.99%.
How does Olean Teachers' and Postal compare to other credit unions?
Olean Teachers' and Postal scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.47% vs 0.70%). Its widest shortfall is loan-to-share ratio (40.58% vs 59.80%).
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?
Olean Teachers' and Postal is a federal credit union; its shares are federally 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 10.92% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.