Federal credit union · White Plains, New York · NCUA charter #3110
White Plains P O Employees
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $853K
- Total assets
- 92
- Members
- 24.7%
- Net-worth ratio
White Plains P O Employees scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $853K; members 92; net-worth ratio 24.72%; health rank #3,975 of 4,374; healthier than 8th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,975 of 4,374 health · 2025Q4White Plains P O Employees · health 62/100 · $853K · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
White Plains P O Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); White Plains P O Employees sits in 60-64 with 179 others.
62 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
White Plains P O Employees: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.00% here, 4.48% peer average (-4.48 pp).
- Loan-to-Share Ratio trails the peer set - 9.20% here, 52.70% peer average (-43.50 pp).
White Plains P O Employees: in-state Call Report ranks
- New York health ordinal: #232 of 272.
- By total assets, White Plains P O Employees is #259 of 272 in New York.
- Member book place in New York: #270 of 272.
- One place up in New York, Schenectady County Employees (#231) scores 63/100, 1 point higher; one place down, NYM (#233) ties at 62/100.
How White Plains P O Employees's 5300 filing moved
White Plains P O Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $853K (2025Q4) to $873K (2026Q1).
- Net-worth ratio shifted -1.00 pp (25.72% → 24.72%).
24.72% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 62/100 score is built
White Plains P O Employees gives up 38 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.0 pts
White Plains P O Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.72% | +1.79 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | -1.91% | -2.13 pp |
| Member Growth | -8.00% | - |
| Loan-to-Share Ratio | 9.20% | -43.50 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $873K | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for White Plains P O Employees.
| Office | City |
|---|---|
| White Plains Post Office Employees Federal Credit Union Office (Main Office) | White Plains, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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
White Plains P O Employees nationwide neighbourhoods
Using this data
- White Plains P O Employees ranks #3,975 of 4,374 nationally on financial health and #232 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Stratton Air National Guard is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Stratton Air National Guard
Frequently Asked Questions
Is White Plains P O Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, White Plains P O Employees scores 62/100 (Good), with a 24.72% net worth ratio and 0.00% of loans delinquent. It ranks #3,975 of 4,374 nationally on health and #232 of 272 in New York.
How does White Plains P O Employees compare to other credit unions?
White Plains P O Employees scores 62/100, higher than 8% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (0.00% vs 4.48%). Its widest shortfall is loan-to-share ratio (9.20% vs 52.70%).
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?
White Plains P O Employees 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. White Plains P O Employees's net worth ratio of 24.72% 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.