Federal credit union · Shelton, Connecticut · NCUA charter #1399
Pitney Bowes Employees
Health score 63/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $57.4M
- Total assets
- 3,409
- Members
- 20.1%
- Net-worth ratio
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 - 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)100
- Asset quality (delinquency)61
- Earnings (ROA)64
- Member growth0
- Liquidity (loan-to-share)56
Weighted composite: 63/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 20.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 20.10% | 30% |
| Delinquency Rate | 1.64% | 25% |
| Return on Assets | 0.14% | 15% |
| Member Growth | -5.28% | 15% |
| Loan-to-Share Ratio | 26.18% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Pitney Bowes Employees
3,409 members and $57.4M in total assets sit behind Pitney Bowes Employees, a federal credit union in Shelton, Connecticut, which posts a health score of 63/100 (Good) on the five-factor composite, with $11.9M in outstanding loans as of Q4 2025 and a net worth ratio of 20.10% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #1399 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.64% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. The loan-to-share ratio of 26.18% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.14% on net income of $80K 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 -5.28%. 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: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 20.10% 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 20.10% 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.
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.