Federal credit union · Cincinnati, Ohio · NCUA charter #96799
U.P.S.
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $3.3M
- Total assets
- 613
- Members
- 12.5%
- Net-worth ratio
U.P.S. scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.3M; members 613; net-worth ratio 12.52%; health rank #1,958 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,958 of 4,374 health · 2025Q4U.P.S. · health 85/100 · $3.3M · 2025Q4
Call Report peers
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U.P.S. vs every NCUA-scored credit union
U.P.S. sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where U.P.S. diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 88.52% vs peer 63.60% (+24.92 pp).
- Net Worth Ratio trails the peer set - 12.52% here, 19.06% peer average (-6.54 pp).
Ohio standing for U.P.S.
- In Ohio, health place is #87 of 196 on the same NCUA-ratio sort used nationally.
- Assets rank #184 of 196 inside Ohio ($3.3M reported).
- Member book place in Ohio: #182 of 196.
- One place up in Ohio, DOVER-PHILA (#86) ties at 85/100; one place down, Ashland Community (#88) ties at 85/100.
U.P.S.: 2025Q4 → 2026Q1
U.P.S.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $3.3M (2025Q4) to $3.3M (2026Q1).
- Net-worth ratio shifted -0.23 pp (12.75% → 12.52%).
This credit union's 12.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
U.P.S. gives up 15 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.4 pts
U.P.S. health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.52% | -6.54 pp |
| Delinquency Rate | 0.54% | -1.27 pp |
| Return on Assets | 0.56% | +0.11 pp |
| Member Growth | -5.11% | - |
| Loan-to-Share Ratio | 88.52% | +24.92 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.3M | - |
| 2025Q4 | $3.3M | 613 |
| 2024Q4 | $3.3M | 646 |
| 2023Q4 | $3.6M | 691 |
Credit Union Details
- Charter Number
- 96799
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Ohio
- City
- Cincinnati
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for U.P.S..
| Office | City |
|---|---|
| Cincinnati Office (Main Office) | Cincinnati, OH |
| Disaster Revovery Site | Cincinnati, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
U.P.S. nationwide neighbourhoods
Similar health score
Using this data
- U.P.S. ranks #1,958 of 4,374 nationally on financial health and #87 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Christo Rey is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Christo Rey
Frequently Asked Questions
Is U.P.S. financially healthy?
U.P.S. has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,958 of 4,374 nationally on health and #87 of 196 in Ohio. Its net worth ratio is 12.52% and its delinquency rate 0.54%.
How does U.P.S. compare to other credit unions?
U.P.S. scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (88.52% vs 63.60%). Its widest shortfall is net worth ratio (12.52% vs 19.06%).
How can I join U.P.S.?
Membership eligibility for U.P.S. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact U.P.S. directly for current membership requirements and application steps.
Is my money safe at U.P.S.?
U.P.S. 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.P.S.'s net worth ratio of 12.52% 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.