Federal credit union · White Plains, New York · NCUA charter #3110
White Plains P O Employees
Health score 62/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $853K
- Total assets
- 92
- Members
- 25.7%
- Net-worth ratio
White Plains P O Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #3110: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
White Plains P O Employees - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)46
Weighted composite: 62/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
25.72% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 25.72% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -1.91% | 15% |
| Member Growth | -8.00% | 15% |
| Loan-to-Share Ratio | 9.20% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $853K | 92 |
| 2024Q4 | $871K | 100 |
| 2023Q4 | $924K | 105 |
Credit Union Details
- Charter Number
- 3110
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- Under $2M
- State
- New York
- City
- White Plains
- Data Quarter
- 2025Q4
What This Data Says About White Plains P O Employees
Charter #3110, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's White Plains P O Employees, a federal credit union in White Plains, New York with 92 members, $853K in total assets, and $58K in outstanding loans as of Q4 2025. The five-factor composite scores it 62/100 (Good), helped by a net worth ratio of 25.72% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers - and a 9.20% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -1.91% on net income of $-16282 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 -8.00%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Low Income). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
- STRATTON AIR NATIONAL GUARDSCOTIA, NY · Under $2M94Health
- FIDELISNEW YORK, NY · Under $2M95Health
- CHURCH OF THE MASTERNEW YORK, NY · Under $2M65Health
- MOUNT VERNON NY POSTAL EMPLOYEESMount Vernon, NY · Under $2M73Health
- B.S. AND C.P. HOSPITALS EMPLOYEESBronx, NY · Under $2M70Health
Compare White Plains P O Employees vs STRATTON AIR NATIONAL GUARD
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 White Plains P O Employees financially healthy?
White Plains P O Employees scores 62/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 25.72% net worth ratio and a 0.00% delinquency rate.
How does White Plains P O Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce White Plains P O Employees's 62/100 score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 White Plains P O Employees?
White Plains P O Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact White Plains P O Employees directly to confirm current membership steps.
Is my money safe at White Plains P O Employees?
Federal credit unions like White Plains P O Employees 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. White Plains P O Employees's net worth ratio of 25.72% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does White Plains P O Employees offer compared to banks?
Credit unions like White Plains P O Employees 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 White Plains P O Employees 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.