Federal credit union · CLINTON, Maryland · NCUA charter #16402
U S Postal Service
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $283.8M
- Total assets
- 25,185
- Members
- 10.5%
- Net-worth ratio
U S Postal Service scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $283.8M; members 25,185; net-worth ratio 10.49%; health rank #3,541 of 4,374; healthier than 18th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,541 of 4,374 health · 2025Q4U S Postal Service · health 71/100 · $283.8M · 2025Q4
Call Report peers
U S Postal Service in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
U S Postal Service vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); U S Postal Service sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
U S Postal Service: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 77.00% here, 72.20% peer average (+4.80 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.62 pp (10.49% vs 12.11%).
U S Postal Service: in-state Call Report ranks
- Maryland health ordinal: #48 of 62.
- Assets rank #26 of 62 inside Maryland ($283.8M reported).
- Maryland membership ordinal: #22 of 62.
- One place up in Maryland, Money One (#47) ties at 71/100; one place down, Signal Financial (#49) ties at 71/100.
Quarter path for U S Postal Service
U S Postal Service: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $283.8M (2025Q4) to $286.3M (2026Q1).
- Net-worth ratio shifted -0.06 pp (10.55% → 10.49%).
This credit union's 10.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 71/100 score is built
U S Postal Service gives up 29 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.4 pts
- Return on Assets 2.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.49% | -1.62 pp |
| Delinquency Rate | 0.66% | -0.24 pp |
| Return on Assets | -0.24% | -0.86 pp |
| Member Growth | -11.95% | - |
| Loan-to-Share Ratio | 77.00% | +4.80 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
U S Postal Service quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $286.3M | - |
| 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
Branch Locations (8)
U S Postal Service operates 8 offices across 8 cities, spanning 7 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Clinton (Main Office) | Clinton, MD |
| Capitol Heights | Capitol Heights, MD |
| Pittsburgh | Pittsburgh, PA |
| Raleigh | Raleigh, NC |
| San Fernando | San Fernando, CA |
| Trellance | Tampa, FL |
| L'Enfant Plaza | Washington, DC |
| Nation's Capital Archives Storage | Woodbridge, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
More federally-insured credit unions based in Maryland, ordered by peer group match and asset size.
Cross-state Call Report peers for U S Postal Service
Using this data
- U S Postal Service ranks #3,541 of 4,374 nationally on financial health and #48 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HAR-CO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HAR-CO
Frequently Asked Questions
Is U S Postal Service financially healthy?
On its 2025Q4 NCUA 5300 filing, U S Postal Service scores 71/100 (Very Good), with a 10.49% net worth ratio and 0.66% of loans delinquent. It ranks #3,541 of 4,374 nationally on health and #48 of 62 in Maryland.
How does U S Postal Service compare to other credit unions?
U S Postal Service scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (77.00% vs 72.20%). Its widest shortfall is net worth ratio (10.49% vs 12.11%).
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?
U S Postal Service is a federal credit union; its shares are federally 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 10.49% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.