Federal credit union · FLUSHING, New York · NCUA charter #119
Triboro Postal
Health score 43/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 43
- Health / 100
- $90.7M
- Total assets
- 3,752
- Members
- 19.0%
- Net-worth ratio
Triboro Postal scores 43/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $90.7M; members 3,752; net-worth ratio 19.04%; health rank #4,325 of 4,374; healthier than 1st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,325 of 4,374 health · 2025Q4Triboro Postal · health 43/100 · $90.7M · 2025Q4
- ROA 43/100
- ASSETS 19.0%
- MEM 6.64%
- RANK -1.51%
- PHOTO $90.7M
- BOOK 3,752
- CHARTER #4,325/4,374
- NCUSIF Smw Financial
- CAMELS 119
Call Report peers
Triboro Postal in the assets neighbourhood
Triboro Postal's $90.7M assets sit next to Smw Financial ($90.8M) 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.
Triboro 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
43 1st percentile higher than 1% 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
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 vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +5.42 pp (19.04% vs 13.62%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -48.89 pp (13.71% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Triboro Postal in New York
- Health composite ranks #268 of 272 among scored New York credit unions.
- New York assets place: #97 of 272.
- New York membership ordinal: #124 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Triboro Postal
Triboro Postal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.0% from $90.7M (2025Q4) to $89.8M (2026Q1).
- Net-worth ratio shifted +0.06 pp (18.98% → 19.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
19.04% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 43/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 43.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 5.8 pts
- Loan-to-Share Ratio 7.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.04% | +5.42 pp |
| Delinquency Rate | 6.64% | +5.68 pp |
| Return on Assets | -1.51% | -2.17 pp |
| Member Growth | -1.75% | - |
| Loan-to-Share Ratio | 13.71% | -48.89 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Triboro Postal quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $89.8M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Triboro Postal runs one office.
| Office | City |
|---|---|
| Triboro Postal FCU (Main Office) | Flushing, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Other-state peers near Triboro Postal
Triboro Postal's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($90.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (43/100 here).
Using this data
- Triboro Postal ranks #4,325 of 4,374 nationally on financial health and #268 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Western New York is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Western New York
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,325 of 4,374; by total assets it ranks #1,914 of 4,374 nationally (same basis as /rankings/largest); and #97 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 19.04% 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 19.04% 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.
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.