Federal credit union · FLUSHING, New York · NCUA charter #119
Triboro Postal
Health score 43/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 43
- Health / 100
- $90.7M
- Total assets
- 3,752
- Members
- 18.5%
- Net-worth ratio
Triboro Postal - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #119. See our deposit-insurance coverage note.
Triboro Postal - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth39
- Liquidity (loan-to-share)48
Weighted composite: 43/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
18.51% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.51% | 30% |
| Delinquency Rate | 6.64% | 25% |
| Return on Assets | -1.51% | 15% |
| Member Growth | -1.75% | 15% |
| Loan-to-Share Ratio | 13.71% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $90.7M | 3,752 |
| 2024Q4 | $95.9M | 3,819 |
| 2023Q4 | $100.5M | 3,985 |
Credit Union Details
- Charter Number
- 119
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $50M–$100M
- State
- New York
- City
- FLUSHING
- Data Quarter
- 2025Q4
What This Data Says About Triboro Postal
Triboro Postal is a federal credit union headquartered in FLUSHING, New York, serving 3,752 members with $90.7M in total assets and $10.8M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 43/100 (Below Average), anchored by a net worth ratio of 18.51% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #119 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Deposits deployed into lending sit at a 13.71% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 6.64% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Return on assets stands at -1.51% on net income of $-1370574 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 -1.75%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Low Income). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group 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 Triboro Postal financially healthy?
Triboro Postal has a financial health score of 43/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.51% and delinquency rate of 6.64%.
How does Triboro Postal compare to other credit unions?
On PlainCU's health composite, Triboro Postal lands at 43/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Triboro Postal?
Triboro Postal carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Triboro Postal directly to confirm current membership steps.
Is my money safe at Triboro Postal?
Federal credit unions like Triboro 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. Triboro Postal's net worth ratio of 18.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Triboro Postal offer compared to banks?
Credit unions like Triboro 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 Triboro Postal 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.