State credit union · YARDVILLE, New Jersey · NCUA charter #64882
Postal Employees
Health score 46/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 46
- Health / 100
- $45.0M
- Total assets
- 1,823
- Members
- 13.4%
- Net-worth ratio
Postal Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64882 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Postal 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)19
- Earnings (ROA)0
- Member growth15
- Liquidity (loan-to-share)62
Weighted composite: 46/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.36% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.36% | 30% |
| Delinquency Rate | 3.23% | 25% |
| Return on Assets | -2.37% | 15% |
| Member Growth | -3.75% | 15% |
| Loan-to-Share Ratio | 36.97% | 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 | $45.0M | 1,823 |
| 2024Q4 | $36.9M | 1,894 |
| 2023Q4 | $37.3M | 1,899 |
Credit Union Details
- Charter Number
- 64882
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- YARDVILLE
- Data Quarter
- 2025Q4
What This Data Says About Postal Employees
1,823 members and $45.0M in total assets sit behind Postal Employees, a state credit union in YARDVILLE, New Jersey, which posts a health score of 46/100 (Below Average) on the five-factor composite, with $10.8M in outstanding loans as of Q4 2025 and a net worth ratio of 13.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #64882 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 3.23% 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 36.97% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -2.37% on net income of $-1067465 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 -3.75%. 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 New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
- SOUTHERN MIDDLESEX CO TCHRSEast Brunswick, NJ · $10M–$50M68Health
- H. E. TELEPHONERochelle Park, NJ · $10M–$50M83Health
- CENTRAL JERSEY POLICE & FIREHamilton, NJ · $10M–$50M97Health
- MERCER COUNTY NJ TEACHERSHAMILTON SQUARE, NJ · $10M–$50M79Health
- LAKEHURST NAVALLAKEHURST NAEC, NJ · $10M–$50M60Health
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 Postal Employees financially healthy?
Postal Employees has a financial health score of 46/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.36% and delinquency rate of 3.23%.
How does Postal Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Postal Employees's 46/100 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 Postal Employees?
Membership eligibility for Postal Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Postal Employees directly for current membership requirements and application steps.
Is my money safe at Postal Employees?
Federal credit unions like Postal 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. Postal Employees's net worth ratio of 13.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Postal Employees offer compared to banks?
Credit unions like Postal 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 Postal 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.