Federal credit union · CINCINNATI, Ohio · NCUA charter #97079
Postal Family Credit Union, Inc.
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $65.8M
- Total assets
- 4,061
- Members
- 17.7%
- Net-worth ratio
Postal Family Credit Union, Inc. scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $65.8M; members 4,061; net-worth ratio 17.74%; health rank #1,899 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,899 of 4,374 health · 2025Q4Postal Family · health 85/100 · $65.8M · 2025Q4
Call Report peers
Postal Family Credit Union, Inc. 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 Credit Union, Inc. vs every NCUA-scored credit union
Postal Family Credit Union, Inc. 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
Peer-gap read for Postal Family Credit Union, Inc.
- Loan-to-Share Ratio leads the peer set - 68.17% here, 62.60% peer average (+5.57 pp).
Ohio standing for Postal Family Credit Union, Inc.
- In Ohio, health place is #84 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #97 of 196.
- Ohio membership ordinal: #107 of 196.
- One place up in Ohio, Ibew 141 (#83) ties at 85/100; one place down, Local Union 392 (#85) ties at 85/100.
Quarter path for Postal Family Credit Union, Inc.
Postal Family Credit Union, Inc.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $65.8M (2025Q4) to $66.4M (2026Q1).
- Net-worth ratio shifted +0.04 pp (17.70% → 17.74%).
At 17.74%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Postal Family Credit Union, Inc. gives up 15 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Postal Family Credit Union, Inc. vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.74% | +4.12 pp |
| Delinquency Rate | 0.41% | -0.56 pp |
| Return on Assets | 0.88% | +0.22 pp |
| Member Growth | -5.73% | - |
| Loan-to-Share Ratio | 68.17% | +5.57 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Postal Family Credit Union, Inc. quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $66.4M | - |
| 2025Q4 | $65.8M | 4,061 |
| 2024Q4 | $64.1M | 4,308 |
| 2023Q4 | $65.6M | 4,521 |
Credit Union Details
- Charter Number
- 97079
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- CINCINNATI
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Postal Family Credit Union, Inc. runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | CINCINNATI, OH |
| DAYTON BRANCH | DAYTON, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
- SOUTHEASTERN OHIOCambridge, OH · $50M–$100M91Health
- L C EPainesville, OH · $50M–$100M87Health
- EDUCATIONAL COMMUNITY ALLIANCETOLEDO, OH · $50M–$100M93Health
- DOYYoungstown, OH · $50M–$100M80Health
- ST. JOSEPHS CANTON PARISHCanton, OH · $50M–$100M87Health
Compare Postal Family Credit Union, Inc. vs SOUTHEASTERN OHIO
Postal Family Credit Union, Inc. nationwide neighbourhoods
Using this data
- Postal Family Credit Union, Inc. ranks #1,899 of 4,374 nationally on financial health and #84 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southeastern Ohio is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southeastern Ohio
Frequently Asked Questions
Is Postal Family Credit Union, Inc. financially healthy?
On its 2025Q4 NCUA 5300 filing, Postal Family Credit Union, Inc. scores 85/100 (Excellent), with a 17.74% net worth ratio and 0.41% of loans delinquent. It ranks #1,899 of 4,374 nationally on health and #84 of 196 in Ohio.
How does Postal Family Credit Union, Inc. compare to other credit unions?
Postal Family Credit Union, Inc. scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (68.17% vs 62.60%).
How can I join Postal Family Credit Union, Inc.?
Membership eligibility for Postal Family Credit Union, Inc. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Postal Family Credit Union, Inc. directly for current membership requirements and application steps.
Is my money safe at Postal Family Credit Union, Inc.?
Postal Family Credit Union, Inc. 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 Credit Union, Inc.'s net worth ratio of 17.74% 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.