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
- CAMELS 85/100
- HEALTH 10.4%
- NW 0.29%
- DELQ 0.42%
- ROA $29.5M
- ASSETS 2,273
- MEM #2,001/4,374
- RANK SLO
- PHOTO 951
Call Report peers
Postal Family in the assets neighbourhood
Postal Family's $29.5M assets sit next to SLO ($29.5M) 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.
Postal Family 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
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
Postal Family - Share Insurance Coverage
Charter #951's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for ND only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Postal Family's 5300 filing moved
Postal Family: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $29.5M (2025Q4) to $29.7M (2026Q1).
- Net-worth ratio shifted -0.03 pp (10.44% → 10.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
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).
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
Cross-state asset and health neighbours for Postal Family - kept outside North Dakota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($29.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- Rates and health both vary by institution, not just by state -- see how North Dakota credit unions compare overall before assuming this one is typical. North Dakota 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 Postal Family financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Postal Family carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,001 of 4,374; by total assets it ranks #2,866 of 4,374 nationally (same basis as /rankings/largest); and #19 of 29 within North Dakota. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.41% net worth ratio and a 0.29% delinquency rate.
How does Postal Family compare to other credit unions?
Postal Family scores 85/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Postal Family 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 Family's net worth ratio of 10.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Postal Family offer compared to banks?
Credit unions like Postal Family 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 Family 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.