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
- NCUSIF 85/100
- CAMELS 12.5%
- HEALTH 0.54%
- NW 0.56%
- DELQ $3.3M
- ROA 613
- ASSETS #1,958/4,374
- MEM n/a
- RANK 96799
Call Report peers
U.P.S. carries $3.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
U.P.S. 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
85 Top 46% higher than 54% 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.P.S. - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #96799, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
U.P.S.: 2025Q4 → 2026Q1
U.P.S.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $3.3M (2025Q4) to $3.3M (2026Q1).
- Net-worth ratio shifted -0.23 pp (12.75% → 12.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for U.P.S., both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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.P.S. financially healthy?
U.P.S. has a financial health score of 85/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,958 of 4,374; by total assets it ranks #4,022 of 4,374 nationally (same basis as /rankings/largest); and #184 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.52% and delinquency rate of 0.54%.
How does U.P.S. compare to other credit unions?
PlainCU's health composite puts U.P.S. at 85/100, compared to a peer group average for $2M–$10M 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.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.?
Federal credit unions like U.P.S. 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.P.S.'s net worth ratio of 12.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does U.P.S. offer compared to banks?
Credit unions like U.P.S. 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.P.S. 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.