Federal credit union · Long Beach, California · NCUA charter #86063
Postcity Financial
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $77.1M
- Total assets
- 4,605
- Members
- 12.3%
- Net-worth ratio
Postcity Financial scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $77.1M; members 4,605; net-worth ratio 12.32%; health rank #3,468 of 4,374; healthier than 20th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,468 of 4,374 health · 2025Q4Postcity Financial · health 72/100 · $77.1M · 2025Q4
- PHOTO 72/100
- BOOK 12.3%
- CHARTER 0.18%
- NCUSIF 0.00%
- CAMELS $77.1M
- HEALTH 4,605
- NW #3,468/4,374
- DELQ Your Legacy
- ROA 86063
Call Report peers
Postcity Financial in the assets neighbourhood
Postcity Financial's $77.1M assets sit next to Your Legacy ($77.1M) 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.
Postcity Financial 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
72 20th percentile higher than 20% 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
Postcity Financial - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #86063: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Postcity Financial: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.78 pp (0.18% vs 0.96%).
- Loan-to-Share Ratio trails the peer set - 51.87% here, 62.60% peer average (-10.73 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Postcity Financial: in-state Call Report ranks
- California health ordinal: #201 of 243.
- By total assets, Postcity Financial is #167 of 243 in California.
- California membership ordinal: #161 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Postcity Financial's 5300 filing moved
Postcity Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $77.1M (2025Q4) to $78.2M (2026Q1).
- Net-worth ratio shifted -0.12 pp (12.44% → 12.32%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.32%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.7 pts
- Member Growth 1.8 pts
- Loan-to-Share Ratio 10.5 pts
Postcity Financial health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.32% | -1.30 pp |
| Delinquency Rate | 0.18% | -0.78 pp |
| Return on Assets | 0.00% | -0.65 pp |
| Member Growth | -4.00% | - |
| Loan-to-Share Ratio | 51.87% | -10.73 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).
Call Report history - Postcity Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $78.2M | - |
| 2025Q4 | $77.1M | 4,605 |
| 2024Q4 | $78.5M | 4,797 |
| 2023Q4 | $77.1M | 4,980 |
Credit Union Details
- Charter Number
- 86063
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- California
- City
- Long Beach
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Postcity Financial runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Long Beach, CA |
| Long Beach-Grand Ave | Long Beach, CA |
| West Sacramento | West Sacramento, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Postcity Financial - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($77.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- Postcity Financial ranks #3,468 of 4,374 nationally on financial health and #201 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cal State L.a. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cal State L.a.
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 Postcity Financial financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Postcity Financial carries a financial health score of 72/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,468 of 4,374; by total assets it ranks #2,045 of 4,374 nationally (same basis as /rankings/largest); and #167 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.32% net worth ratio and a 0.18% delinquency rate.
How does Postcity Financial compare to other credit unions?
72/100 is Postcity Financial's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Postcity Financial?
Membership eligibility for Postcity Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Postcity Financial directly for current membership requirements and application steps.
Is my money safe at Postcity Financial?
Federal credit unions like Postcity Financial 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. Postcity Financial's net worth ratio of 12.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Postcity Financial offer compared to banks?
Credit unions like Postcity Financial 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 Postcity Financial 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.