Federal credit union · FARGO, North Dakota · NCUA charter #951
Postal Family
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $29.5M
- Total assets
- 2,273
- Members
- 10.4%
- Net-worth ratio
Postal Family scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $29.5M; members 2,273; net-worth ratio 10.41%; health rank #2,001 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,001 of 4,374 health · 2025Q4Postal Family · health 85/100 · $29.5M · 2025Q4
Call Report peers
Postal Family in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Postal Family vs every NCUA-scored credit union
Postal Family sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
Where Postal Family diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.29% vs peer 1.15% (-0.85 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -23.88 pp (35.92% vs 59.80%).
Postal Family in North Dakota
- In North Dakota, health place is #15 of 29 on the same NCUA-ratio sort used nationally.
- By total assets, Postal Family is #19 of 29 in North Dakota.
- Membership ranks #17 of 29 among North Dakota CUs with a reported count (2,273 members).
- One place up in North Dakota, Minot Area Schools (#14) scores 87/100, 2 points higher; one place down, Dakota Plains (#16) scores 84/100, 1 point lower.
How Postal Family's 5300 filing moved
Postal Family: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $29.5M (2025Q4) to $29.7M (2026Q1).
- Net-worth ratio shifted -0.03 pp (10.44% → 10.41%).
This credit union's 10.41% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Postal Family gives up 15 points in total. Member Growth costs the most, 8.3 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.8 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 9.5 pts
Postal Family vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.41% | -4.45 pp |
| Delinquency Rate | 0.29% | -0.85 pp |
| Return on Assets | 0.42% | -0.28 pp |
| Member Growth | -1.26% | - |
| Loan-to-Share Ratio | 35.92% | -23.88 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Postal Family
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.7M | - |
| 2025Q4 | $29.5M | 2,273 |
| 2024Q4 | $27.8M | 2,302 |
| 2023Q4 | $27.1M | 2,322 |
Credit Union Details
- Charter Number
- 951
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- North Dakota
- City
- FARGO
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Postal Family runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | FARGO, ND |
| BRANCH | GRAND FORKS, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
More federally-insured credit unions based in North Dakota, ordered by peer group match and asset size.
Other-state peers near Postal Family
Similar total assets
Using this data
- Postal Family ranks #2,001 of 4,374 nationally on financial health and #15 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RIVERFORK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RIVERFORK
Frequently Asked Questions
Is Postal Family financially healthy?
On its 2025Q4 NCUA 5300 filing, Postal Family scores 85/100 (Excellent), with a 10.41% net worth ratio and 0.29% of loans delinquent. It ranks #2,001 of 4,374 nationally on health and #15 of 29 in North Dakota.
How does Postal Family compare to other credit unions?
Postal Family scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.29% vs 1.15%). Its widest shortfall is loan-to-share ratio (35.92% vs 59.80%).
How can I join Postal Family?
Postal Family carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Postal Family directly to confirm current membership steps.
Is my money safe at Postal Family?
Postal Family 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. Postal Family's net worth ratio of 10.41% 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.