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
- CHARTER 71/100
- NCUSIF 24.1%
- CAMELS 1.23%
- HEALTH -0.63%
- NW $28.2M
- DELQ 2,960
- ROA #3,511/4,374
- ASSETS Beacon Financial
- MEM 95742
Call Report peers
Post Office Cu of Md, Inc. in the assets neighbourhood
Post Office Cu of Md, Inc.'s $28.2M assets sit next to Beacon Financial ($28.3M) 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.
Post Office Cu of Md, Inc. 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
71 18th percentile higher than 18% 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
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.: 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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Post Office Cu of Md, Inc.'s 5300 filing moved
Post Office Cu of Md, Inc.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $28.2M (2025Q4) to $29.3M (2026Q1).
- Net-worth ratio shifted -0.88 pp (24.99% → 24.11%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- 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 |
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).
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
Cross-state asset and health neighbours for Post Office Cu of Md, Inc. - kept outside Maryland; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($28.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,511 of 4,374; by total assets it ranks #2,899 of 4,374 nationally (same basis as /rankings/largest); and #46 of 62 within Maryland. Above 80 reads excellent, below 50 warrants closer monitoring; a 24.11% 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 24.11% 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.
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.