Federal credit union · CINCINNATI, Ohio · NCUA charter #97079
Postal Family Credit Union, Inc.
Health score 85/100 (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. - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #97079 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Postal Family Credit Union, Inc. - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)97
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 17.70%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.70% | 30% |
| Delinquency Rate | 0.41% | 25% |
| Return on Assets | 0.88% | 15% |
| Member Growth | -5.73% | 15% |
| Loan-to-Share Ratio | 68.17% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Postal Family Credit Union, Inc.
Headquartered in CINCINNATI, Ohio, Postal Family Credit Union, Inc. is a federal credit union with 4,061 members, $65.8M in total assets, and $36.5M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 85/100 (Excellent), driven in part by a net worth ratio of 17.70% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #97079 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 0.41% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Meanwhile a 68.17% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.88% on net income of $581K 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 -5.73%. 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 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
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 Family Credit Union, Inc. financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - Postal Family Credit Union, Inc.'s financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.70% net worth ratio and 0.41% delinquency rate are the key drivers.
How does Postal Family Credit Union, Inc. compare to other credit unions?
PlainCU's health composite puts Postal Family Credit Union, Inc. at 85/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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.?
Federal credit unions like Postal Family Credit Union, Inc. 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 Credit Union, Inc.'s net worth ratio of 17.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Postal Family Credit Union, Inc. offer compared to banks?
Credit unions like Postal Family Credit Union, Inc. 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 Credit Union, Inc. 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.