State credit union · QUINCY, Illinois · NCUA charter #63378
Quincy Postal Employees
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $2.2M
- Total assets
- 315
- Members
- 16.7%
- Net-worth ratio
Quincy Postal Employees scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.2M; members 315; net-worth ratio 16.70%; health rank #2,828 of 4,374; healthier than 33rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,828 of 4,374 health · 2025Q4Quincy Postal Employees · health 79/100 · $2.2M · 2025Q4
- MEM 79/100
- RANK 16.7%
- PHOTO 0.00%
- BOOK 1.79%
- CHARTER $2.2M
- NCUSIF 315
- CAMELS #2,828/4,374
- HEALTH n/a
- NW 63378
Call Report peers
Quincy Postal Employees carries $2.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Quincy Postal Employees 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
79 33rd percentile higher than 33% 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
Quincy Postal Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #63378: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Quincy Postal Employees
- Delinquency Rate leads the peer set - 0.00% here, 1.81% peer average (-1.81 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -31.76 pp (31.84% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Quincy Postal Employees in Illinois
- In Illinois, health place is #125 of 192 on the same NCUA-ratio sort used nationally.
- Assets rank #161 of 192 inside Illinois ($2.2M reported).
- Illinois membership ordinal: #169 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quincy Postal Employees: 2025Q4 → 2026Q1
Quincy Postal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $2.2M (2025Q4) to $2.2M (2026Q1).
- Net-worth ratio shifted -0.16 pp (16.86% → 16.70%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.70% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 9.0 pts
Call Report ratios for Quincy Postal Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.70% | -2.36 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 1.79% | +1.34 pp |
| Member Growth | -6.80% | - |
| Loan-to-Share Ratio | 31.84% | -31.76 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Quincy Postal Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.2M | - |
| 2025Q4 | $2.2M | 315 |
| 2024Q4 | $2.5M | 338 |
| 2023Q4 | $2.5M | 355 |
Credit Union Details
- Charter Number
- 63378
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- QUINCY
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Quincy Postal Employees runs one office.
| Office | City |
|---|---|
| main office (Main Office) | quincy, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Quincy Postal Employees nationwide neighbourhoods
Two NCUA Call Report peer sets for Quincy Postal Employees, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Quincy Postal Employees ranks #2,828 of 4,374 nationally on financial health and #125 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Salem School System is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Salem School System
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 Quincy Postal Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Quincy Postal Employees carries a financial health score of 79/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,828 of 4,374; by total assets it ranks #4,112 of 4,374 nationally (same basis as /rankings/largest); and #161 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.70% net worth ratio and a 0.00% delinquency rate.
How does Quincy Postal Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Quincy Postal Employees's 79/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Quincy Postal Employees?
Membership eligibility for Quincy Postal Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Quincy Postal Employees directly for current membership requirements and application steps.
Is my money safe at Quincy Postal Employees?
Federal credit unions like Quincy Postal Employees 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. Quincy Postal Employees's net worth ratio of 16.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Quincy Postal Employees offer compared to banks?
Credit unions like Quincy Postal Employees 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 Quincy Postal Employees 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.