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
- NW 71/100
- DELQ 10.5%
- ROA 0.66%
- ASSETS -0.24%
- MEM $283.8M
- RANK 25,185
- PHOTO #3,541/4,374
- BOOK The New Orleans Firemen's
- CHARTER 16402
Call Report peers
U S Postal Service in the assets neighbourhood
U S Postal Service's $283.8M assets sit next to The New Orleans Firemen's ($283.8M) 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.
U S Postal Service 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
71 18th percentile higher than 18% 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
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: 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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for U S Postal Service
U S Postal Service: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $283.8M (2025Q4) to $286.3M (2026Q1).
- Net-worth ratio shifted -0.06 pp (10.55% → 10.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for U S Postal Service, both outside Maryland so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($283.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland 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 U S Postal Service financially healthy?
A 10.49% net worth ratio and a 0.66% delinquency rate feed into U S Postal Service's financial health score of 71/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,541 of 4,374; by total assets it ranks #1,061 of 4,374 nationally (same basis as /rankings/largest); and #26 of 62 within Maryland. 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 71/100, 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 10.49% exceeds 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.
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.