Federal credit union · Baltimore, Maryland · NCUA charter #95742
Post Office Cu of Md, Inc.
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $28.2M
- Total assets
- 2,960
- Members
- 25.0%
- Net-worth ratio
Post Office Cu of Md, Inc. - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #95742: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Post Office Cu of Md, Inc. - 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)73
- Earnings (ROA)0
- Member growth100
- Liquidity (loan-to-share)52
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 24.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 24.99% | 30% |
| Delinquency Rate | 1.23% | 25% |
| Return on Assets | -0.63% | 15% |
| Member Growth | 14.15% | 15% |
| Loan-to-Share Ratio | 107.05% | 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 | $28.2M | 2,960 |
| 2024Q4 | $28.1M | 2,593 |
| 2023Q4 | $29.3M | 2,395 |
Credit Union Details
- Charter Number
- 95742
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Maryland
- City
- Baltimore
- Data Quarter
- 2025Q4
What This Data Says About Post Office Cu of Md, Inc.
Charter #95742, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Post Office Cu of Md, Inc., a federal credit union in Baltimore, Maryland with 2,960 members, $28.2M in total assets, and $20.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 71/100 (Very Good), helped by a net worth ratio of 24.99% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 1.23% 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 looser than peers - and a 107.05% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.63% on net income of $-177344 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 14.15%. 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: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Maryland
Other federally-insured credit unions in Maryland, closest first by peer group and asset size.
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 Post Office Cu of Md, Inc. financially healthy?
Yes/no aside, the number is 71/100 (Very Good) - Post Office Cu of Md, Inc.'s financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 24.99% net worth ratio and 1.23% delinquency rate are the key drivers.
How does Post Office Cu of Md, Inc. compare to other credit unions?
Five weighted metrics from NCUA filings produce Post Office Cu of Md, Inc.'s 71/100 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 Post Office Cu of Md, Inc.?
Membership eligibility for Post Office Cu of Md, Inc. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Post Office Cu of Md, Inc. directly for current membership requirements and application steps.
Is my money safe at Post Office Cu of Md, Inc.?
Federal credit unions like Post Office Cu of Md, Inc. 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. Post Office Cu of Md, Inc.'s net worth ratio of 24.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Post Office Cu of Md, Inc. offer compared to banks?
Credit unions like Post Office Cu of Md, Inc. 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 Post Office Cu of Md, Inc. 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.