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.
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#3,468 of 4,374 health · 2025Q4Postcity Financial · health 72/100 · $77.1M · 2025Q4
Call Report peers
Postcity Financial in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Postcity Financial sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in California, Vision One (#200) ties at 72/100; one place down, MATTEL (#202) ties at 72/100.
How Postcity Financial's 5300 filing moved
Postcity Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $77.1M (2025Q4) to $78.2M (2026Q1).
- Net-worth ratio shifted -0.12 pp (12.44% → 12.32%).
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
Postcity Financial gives up 28 points in total. Member Growth costs the most, 13.2 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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.
Frequently Asked Questions
Is Postcity Financial financially healthy?
Postcity Financial has a financial health score of 72/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,468 of 4,374 nationally on health and #201 of 243 in California. Its net worth ratio is 12.32% and its delinquency rate 0.18%.
How does Postcity Financial compare to other credit unions?
Postcity Financial scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.18% vs 0.96%). Its widest shortfall is loan-to-share ratio (51.87% vs 62.60%).
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?
Postcity Financial 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. Postcity Financial's net worth ratio of 12.32% 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.