Federal credit union · Shelton, Connecticut · NCUA charter #1399
Pitney Bowes Employees
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $57.4M
- Total assets
- 3,409
- Members
- 19.8%
- Net-worth ratio
Pitney Bowes Employees scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $57.4M; members 3,409; net-worth ratio 19.76%; health rank #3,938 of 4,374; healthier than 9th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,938 of 4,374 health · 2025Q4Pitney Bowes Employees · health 63/100 · $57.4M · 2025Q4
- ROA 63/100
- ASSETS 19.8%
- MEM 1.64%
- RANK 0.14%
- PHOTO $57.4M
- BOOK 3,409
- CHARTER #3,938/4,374
- NCUSIF Fargo Public Schools
- CAMELS 1399
Call Report peers
Pitney Bowes Employees in the assets neighbourhood
Pitney Bowes Employees's $57.4M assets sit next to Fargo Public Schools ($57.4M) 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.
Pitney Bowes Employees 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
63 9th percentile higher than 9% 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
Pitney Bowes Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1399 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Pitney Bowes Employees: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 19.76% vs peer 13.62% (+6.14 pp).
- Largest lag: Loan-to-Share Ratio at 26.18% vs peer 62.60% (-36.42 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Connecticut standing for Pitney Bowes Employees
- Connecticut health ordinal: #52 of 64.
- Assets rank #30 of 64 inside Connecticut ($57.4M reported).
- Member book place in Connecticut: #32 of 64.
In-state ordinals use the live credit_unions table for CT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Pitney Bowes Employees Call Report trajectory
Pitney Bowes Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $57.4M (2025Q4) to $58.5M (2026Q1).
- Net-worth ratio shifted -0.34 pp (20.10% → 19.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 19.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.2 pts
- Return on Assets 9.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.2 pts
Call Report ratios for Pitney Bowes Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.76% | +6.14 pp |
| Delinquency Rate | 1.64% | +0.68 pp |
| Return on Assets | 0.14% | -0.52 pp |
| Member Growth | -5.28% | - |
| Loan-to-Share Ratio | 26.18% | -36.42 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Pitney Bowes Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $58.5M | - |
| 2025Q4 | $57.4M | 3,409 |
| 2024Q4 | $60.7M | 3,599 |
| 2023Q4 | $61.3M | 3,791 |
Credit Union Details
- Charter Number
- 1399
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Connecticut
- City
- Shelton
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Pitney Bowes Employees runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Shelton Branch (Main Office) | Shelton, CT |
| Danbury Branch | Danbury, CT |
| Stamford Branch | Stamford, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
A look at other Connecticut credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Pitney Bowes Employees - kept outside Connecticut; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($57.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- Pitney Bowes Employees ranks #3,938 of 4,374 nationally on financial health and #52 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northwest Hills is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northwest Hills
- Rates and health both vary by institution, not just by state -- see how Connecticut credit unions compare overall before assuming this one is typical. Connecticut 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 Pitney Bowes Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Pitney Bowes Employees carries a financial health score of 63/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,938 of 4,374; by total assets it ranks #2,294 of 4,374 nationally (same basis as /rankings/largest); and #30 of 64 within Connecticut. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.76% net worth ratio and a 1.64% delinquency rate.
How does Pitney Bowes Employees compare to other credit unions?
On PlainCU's health composite, Pitney Bowes Employees lands at 63/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Pitney Bowes Employees?
Pitney Bowes Employees 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 Pitney Bowes Employees directly for the exact boundaries and application steps.
Is my money safe at Pitney Bowes Employees?
Federal credit unions like Pitney Bowes 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. Pitney Bowes Employees's net worth ratio of 19.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pitney Bowes Employees offer compared to banks?
Credit unions like Pitney Bowes 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 Pitney Bowes Employees 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.