State credit union · QUINCY, Illinois · NCUA charter #63378
Quincy Postal Employees
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $2.2M
- Total assets
- 315
- Members
- 9.4%
- Net-worth ratio
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.
Quincy Postal Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)95
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)59
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.36% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.36% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 1.79% | 15% |
| Member Growth | -6.80% | 15% |
| Loan-to-Share Ratio | 31.84% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Quincy Postal Employees
Quincy Postal Employees is a state credit union headquartered in QUINCY, Illinois, serving 315 members with $2.2M in total assets and $578K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 77/100 (Very Good), anchored by a net worth ratio of 9.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #63378 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 31.84% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.79% on net income of $39K 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 -6.80%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
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 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 77/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.36% 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 77/100 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 9.36% 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.
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.