Federal credit union · CLINTON, Maryland · NCUA charter #16402
U S Postal Service
Health score 41/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 41
- Health / 100
- $283.8M
- Total assets
- 25,185
- Members
- 0.0%
- Net-worth ratio
U S Postal Service - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #16402: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
U S Postal Service - 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)0
- Asset quality (delinquency)94
- Earnings (ROA)16
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 41/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 0.00% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 0.00% | 30% |
| Delinquency Rate | 0.66% | 25% |
| Return on Assets | -0.24% | 15% |
| Member Growth | -11.95% | 15% |
| Loan-to-Share Ratio | 77.00% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $283.8M | 25,185 |
| 2024Q4 | $269.2M | 28,603 |
| 2023Q4 | $269.2M | 27,966 |
Credit Union Details
- Charter Number
- 16402
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Maryland
- City
- CLINTON
- Data Quarter
- 2025Q4
What This Data Says About U S Postal Service
The five-factor composite scores U S Postal Service at 41/100 (Below Average), reflecting a net worth ratio of 0.00% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in CLINTON, Maryland, reports 25,185 members, $283.8M in total assets, and $194.4M in outstanding loans as of Q4 2025 under charter #16402 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
On loan book quality: 0.66% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 77.00% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.24% on net income of $-679008 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 -11.95%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Maryland
More federally-insured credit unions based in Maryland, 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 U S Postal Service financially healthy?
A 0.00% net worth ratio and a 0.66% delinquency rate feed into U S Postal Service's financial health score of 41/100 (Below Average), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does U S Postal Service compare to other credit unions?
PlainCU's health composite puts U S Postal Service at 41/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 U S Postal Service?
U S Postal Service serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact U S Postal Service directly for the current list of qualifying groups.
Is my money safe at U S Postal Service?
Federal credit unions like U S Postal Service 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. U S Postal Service's net worth ratio of 0.00% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does U S Postal Service offer compared to banks?
Credit unions like U S Postal Service 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 U S Postal Service 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.