State credit union · Savannah, Georgia · NCUA charter #67364
Savannah Postal
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $23.3M
- Total assets
- 2,020
- Members
- 14.9%
- Net-worth ratio
Savannah Postal scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.3M; members 2,020; net-worth ratio 14.89%; health rank #3,756 of 4,374; healthier than 13th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,756 of 4,374 health · 2025Q4Savannah Postal · health 67/100 · $23.3M · 2025Q4
- CAMELS 67/100
- HEALTH 14.9%
- NW 3.88%
- DELQ 1.43%
- ROA $23.3M
- ASSETS 2,020
- MEM #3,756/4,374
- RANK Ontario Public Employees
- PHOTO 67364
Call Report peers
Savannah Postal in the assets neighbourhood
Savannah Postal's $23.3M assets sit next to Ontario Public Employees ($23.4M) 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.
Savannah Postal 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
67 13th percentile higher than 13% 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
Savannah Postal - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67364, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Savannah Postal diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 67.55% vs peer 59.80% (+7.75 pp).
- Widest shortfall vs peers is Delinquency Rate: +2.73 pp (3.88% vs 1.15%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Savannah Postal in Georgia
- In Georgia, health place is #67 of 74 on the same NCUA-ratio sort used nationally.
- By total assets, Savannah Postal is #44 of 74 in Georgia.
- Georgia membership ordinal: #48 of 74.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Savannah Postal Call Report trajectory
Savannah Postal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.1% from $23.3M (2025Q4) to $24.8M (2026Q1).
- Net-worth ratio shifted -0.77 pp (15.66% → 14.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.89% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 67/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.8 pts
- Return on Assets 15.0 pts
- Member Growth 6.8 pts
- Loan-to-Share Ratio 14.4 pts
Savannah Postal vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.89% | +0.03 pp |
| Delinquency Rate | 3.88% | +2.73 pp |
| Return on Assets | 1.43% | +0.73 pp |
| Member Growth | -1.22% | - |
| Loan-to-Share Ratio | 67.55% | +7.75 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Savannah Postal quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.8M | - |
| 2025Q4 | $23.3M | 2,020 |
| 2024Q4 | $24.3M | 2,045 |
| 2023Q4 | $24.8M | 2,076 |
Credit Union Details
- Charter Number
- 67364
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Georgia
- City
- Savannah
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Savannah Postal.
| Office | City |
|---|---|
| Savannah Postal Credit Union (Main Office) | Savannah, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
More federally-insured credit unions based in Georgia, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Savannah Postal - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($23.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
Using this data
- Savannah Postal ranks #3,756 of 4,374 nationally on financial health and #67 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Georgia Power Valdosta is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Georgia Power Valdosta
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia 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 Savannah Postal financially healthy?
Yes/no aside, the number is 67/100 (Good) - Savannah Postal'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 #3,756 of 4,374; by total assets it ranks #3,047 of 4,374 nationally (same basis as /rankings/largest); and #44 of 74 within Georgia. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.89% net worth ratio and 3.88% delinquency rate are the key drivers.
How does Savannah Postal compare to other credit unions?
Five weighted metrics from NCUA filings produce Savannah Postal's 67/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Savannah Postal?
Membership eligibility for Savannah Postal depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Savannah Postal directly for current membership requirements and application steps.
Is my money safe at Savannah Postal?
Federal credit unions like Savannah Postal 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. Savannah Postal's net worth ratio of 14.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Savannah Postal offer compared to banks?
Credit unions like Savannah Postal 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 Savannah Postal 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.