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
- DELQ 87/100
- ROA 10.9%
- ASSETS 0.99%
- MEM 1.47%
- RANK $26.5M
- PHOTO 1,703
- BOOK #1,677/4,374
- CHARTER WEE
- NCUSIF 7656
Call Report peers
Olean Teachers' and Postal in the assets neighbourhood
Olean Teachers' and Postal's $26.5M assets sit next to WEE ($26.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Olean Teachers' and Postal's 5300 filing moved
Olean Teachers' and Postal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $26.5M (2025Q4) to $27.1M (2026Q1).
- Net-worth ratio shifted +0.03 pp (10.89% → 10.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Olean Teachers' and Postal, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($26.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,677 of 4,374; by total assets it ranks #2,950 of 4,374 nationally (same basis as /rankings/largest); and #167 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.92% 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 10.92% 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.
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.