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
- NCUSIF 85/100
- CAMELS 17.7%
- HEALTH 0.41%
- NW 0.88%
- DELQ $65.8M
- ROA 4,061
- ASSETS #1,899/4,374
- MEM CORNERSTONE
- RANK 97079
Call Report peers
Postal Family Credit Union, Inc. in the assets neighbourhood
Postal Family Credit Union, Inc.'s $65.8M assets sit next to CORNERSTONE ($65.7M) 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 Credit Union, Inc. 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 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.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Postal Family Credit Union, Inc.
Postal Family Credit Union, Inc.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $65.8M (2025Q4) to $66.4M (2026Q1).
- Net-worth ratio shifted +0.04 pp (17.70% → 17.74%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
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 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for Postal Family Credit Union, Inc. - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($65.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,899 of 4,374; by total assets it ranks #2,182 of 4,374 nationally (same basis as /rankings/largest); and #97 of 196 within Ohio. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.74% 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 17.74% 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.
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.