Federal credit union · Baltimore, Maryland · NCUA charter #95742
Post Office Cu of Md, Inc.
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $28.2M
- Total assets
- 2,960
- Members
- 24.1%
- Net-worth ratio
Post Office Cu of Md, Inc. scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $28.2M; members 2,960; net-worth ratio 24.11%; health rank #3,511 of 4,374; healthier than 18th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,511 of 4,374 health · 2025Q4Post Office Cu of Md, Inc. · health 71/100 · $28.2M · 2025Q4
Call Report peers
Post Office Cu of Md, Inc. in the assets neighbourhood
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Post Office Cu of Md, Inc. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Post Office Cu of Md, Inc. sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Post Office Cu of Md, Inc.: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +47.25 pp (107.05% vs 59.80%).
- Largest lag: Return on Assets at -0.63% vs peer 0.70% (-1.33 pp).
Post Office Cu of Md, Inc. in Maryland
- Maryland health ordinal: #45 of 62.
- Maryland assets place: #46 of 62.
- Member book place in Maryland: #45 of 62.
- One place up in Maryland, Choptank Electric Coop Employ (#44) scores 73/100, 2 points higher; one place down, LAFAYETTE (#46) ties at 71/100.
How Post Office Cu of Md, Inc.'s 5300 filing moved
Post Office Cu of Md, Inc.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $28.2M (2025Q4) to $29.3M (2026Q1).
- Net-worth ratio shifted -0.88 pp (24.99% → 24.11%).
At 24.11%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 71/100 score is built
Post Office Cu of Md, Inc. gives up 29 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.3 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 7.7 pts
Call Report ratios for Post Office Cu of Md, Inc.
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.11% | +9.25 pp |
| Delinquency Rate | 1.23% | +0.08 pp |
| Return on Assets | -0.63% | -1.33 pp |
| Member Growth | 14.15% | - |
| Loan-to-Share Ratio | 107.05% | +47.25 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.3M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Post Office Cu of Md, Inc..
| Office | City |
|---|---|
| Main (Main Office) | Baltimore, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
Other federally-insured credit unions in Maryland, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Post Office Cu of Md, Inc. ranks #3,511 of 4,374 nationally on financial health and #45 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- None Suffer Lack is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with None Suffer Lack
Frequently Asked Questions
Is Post Office Cu of Md, Inc. financially healthy?
Post Office Cu of Md, Inc. has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,511 of 4,374 nationally on health and #45 of 62 in Maryland. Its net worth ratio is 24.11% and its delinquency rate 1.23%.
How does Post Office Cu of Md, Inc. compare to other credit unions?
Post Office Cu of Md, Inc. scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (107.05% vs 59.80%). Its widest shortfall is return on assets (-0.63% vs 0.70%).
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.?
Post Office Cu of Md, Inc. 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. Post Office Cu of Md, Inc.'s net worth ratio of 24.11% 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.