State credit union · YARDVILLE, New Jersey · NCUA charter #64882
Postal Employees
Health score 46/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 46
- Health / 100
- $45.0M
- Total assets
- 1,823
- Members
- 15.9%
- Net-worth ratio
Postal Employees scores 46/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.0M; members 1,823; net-worth ratio 15.91%; health rank #4,304 of 4,374; healthier than 1st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,304 of 4,374 health · 2025Q4Postal Employees · health 46/100 · $45.0M · 2025Q4
Call Report peers
Postal Employees in the assets neighbourhood
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Postal Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Postal Employees sits in 45-49 with 39 others.
46 1st percentile higher than 1% 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
Postal Employees vs $10M–$50M peers
- Net Worth Ratio leads the peer set - 15.91% here, 14.86% peer average (+1.05 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -22.83 pp (36.97% vs 59.80%).
New Jersey standing for Postal Employees
- In New Jersey, health place is #124 of 127 on the same NCUA-ratio sort used nationally.
- New Jersey assets place: #48 of 127.
- Member book place in New Jersey: #64 of 127.
- One place up in New Jersey, Community Financial Services (#123) scores 49/100, 3 points higher; one place down, First Point (#125) ties at 46/100.
How Postal Employees's 5300 filing moved
Postal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -18.5% from $45.0M (2025Q4) to $36.7M (2026Q1).
- Net-worth ratio shifted +2.55 pp (13.36% → 15.91%).
15.91% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 46/100 score is built
Postal Employees gives up 54 points in total. Delinquency Rate costs the most, 20.2 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 4.8 pts
- Return on Assets 0.0 pts
- Member Growth 2.3 pts
- Loan-to-Share Ratio 8.9 pts
Postal Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.91% | +1.05 pp |
| Delinquency Rate | 3.23% | +2.08 pp |
| Return on Assets | -2.37% | -3.08 pp |
| Member Growth | -3.75% | - |
| Loan-to-Share Ratio | 36.97% | -22.83 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Postal Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $36.7M | - |
| 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
Branch Location
Postal Employees operates a single office in TRENTON, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 4248 S Broad St (Main Office) | TRENTON, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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–$50M61Health
Other-state peers near Postal Employees
Using this data
- Postal Employees ranks #4,304 of 4,374 nationally on financial health and #124 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southern Middlesex Co Tchrs is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southern Middlesex Co Tchrs
Frequently Asked Questions
Is Postal Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Postal Employees scores 46/100 (Below Average), with a 15.91% net worth ratio and 3.23% of loans delinquent. It ranks #4,304 of 4,374 nationally on health and #124 of 127 in New Jersey.
How does Postal Employees compare to other credit unions?
Postal Employees scores 46/100, higher than 1% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (15.91% vs 14.86%). Its widest shortfall is loan-to-share ratio (36.97% vs 59.80%).
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?
Postal Employees is a state-chartered 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. Postal Employees's net worth ratio of 15.91% 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.