Mount Vernon NY Postal Employ Federal Credit Union Mount Vernon, New York
Mount Vernon NY Postal Employ Federal Credit Union is a federal credit union headquartered in Mount Vernon, NY, established in 1935 (NCUA charter 132), and it is regulated and insured by the NCUA. At Q2 2026 it reported 141 members and total assets of $1.0M (down 9.2% from Q2 2025), the 248th largest of 267 credit unions headquartered in New York. Its net worth ratio was 16.50% at Q2 2026, in the well capitalized band.
Also written as Mount Vernon NY Postal Employ FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 132
- Headquarters
- Mount Vernon, NY
- Established
- 1935
- Total assets, Q2 2026
- $1.0M
- Assets vs Q2 2025
- -9.2%
- Members, Q2 2026
- 141
- Net worth ratio, Q2 2026
- 16.50%
- Latest call report
- Q2 2026, NCUA 5300 · Mount Vernon NY Postal Employ Federal Credit Union call report
- Asset rank in state
- 248th of 267 in New York
- Routing number
- 221976793
- Branches
- 1
It has 24 fewer members than on June 30, 2025 (-14.5%). Its net worth ratio was up 0.29 percentage points from 16.21% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $131K of $169K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.75% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 16.50% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about Mount Vernon NY Postal Employ Federal Credit Union
How big is Mount Vernon NY Postal Employ Federal Credit Union?
At Q2 2026 it reported total assets of $1.0M and 141 members.
Where is Mount Vernon NY Postal Employ Federal Credit Union headquartered?
It is headquartered in Mount Vernon, NY, United States.
When was Mount Vernon NY Postal Employ Federal Credit Union founded?
It was established in 1935, per NCUA records.
Is Mount Vernon NY Postal Employ Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 132): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Mount Vernon NY Postal Employ Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Mount Vernon NY Postal Employ Federal Credit Union well capitalized?
Its net worth ratio was 16.50% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Mount Vernon NY Postal Employ Federal Credit Union's delinquency ratio?
Its delinquency ratio was 3.75% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Mount Vernon NY Postal Employ Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 19.75% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Mount Vernon, NY 10550
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 132
- RSSD ID
- 888879
- Members
- 141
- Potential members
- 280
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.50% | 14.31% | 61st above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.61% | 0.72% | 12th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -3.67% | 4.74% | 13th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.82% | 3.93% | 46th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 114.92% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.08% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 3.75% | 0.86% | 11th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.90% | 4.70% | 16th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 19.75% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.0M total assets against $1.1M; $857K total shares and deposits against $948K; $169K total loans against $174K.
$170K net worth against $184K.
16.50% net worth ratio against 16.21%.
19.75% loan-to-share ratio against 18.31%.
3.75% delinquency ratio.
-0.61% return on assets against 4.76%; -3.67% return on equity against 29.34%.
3.82% net interest margin against 4.06%.
141 members against 165.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.50% | -0.61% | 3.75% | 19.75% |
| March 31, 2026 | 16.52% | -0.57% | 0.51% | 18.11% |
| December 31, 2025 | 17.27% | -3.81% | 0.30% | 18.74% |
| September 30, 2025 | 15.83% | -0.48% | — | 17.22% |
| June 30, 2025 | 16.21% | 4.76% | — | 18.31% |
| March 31, 2025 | 15.51% | 4.37% | — | 18.40% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.