Credit Union Safety Analysis
Is Mount Vernon NY Postal Employ Federal Credit Union Safe? Mount Vernon, New York
Based on its Q2 2026 NCUA 5300 call report, Mount Vernon NY Postal Employ Federal Credit Union has a net worth ratio of 16.50%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.75%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Mount Vernon NY Postal Employ Federal Credit Union's net worth ratio is 16.50%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.50%
- Delinquency ratio (60+ days) (Q2 2026): 3.75%
- Return on assets (Q2 2026): -0.61%
- Loan-to-share ratio (Q2 2026): 19.75%
Mount Vernon NY Postal Employ Federal Credit Union (NCUA charter 132, established 1935) reported $1.0M in assets and 141 members for Q2 2026 from Mount Vernon, New York. It ranks 248 of 267 credit unions in New York by total assets. Total assets fell 9.2% from $1.1M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 16.52% for Q1 2026; 16.21% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.51% for Q1 2026 .
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.57% for Q1 2026; 4.76% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 18.11% for Q1 2026; 18.31% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $131K
- New vehicle loans: $21K
- Used vehicle loans: $17K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.0M | 16.50% | 3.75% | -0.61% | 19.75% |
| March 31, 2026 | $1.0M | 16.52% | 0.51% | -0.57% | 18.11% |
| December 31, 2025 | $1.0M | 17.27% | 0.30% | -3.81% | 18.74% |
| September 30, 2025 | $1.2M | 15.83% | — | -0.48% | 17.22% |
| June 30, 2025 | $1.1M | 16.21% | — | 4.76% | 18.31% |
| March 31, 2025 | $1.1M | 15.51% | — | 4.37% | 18.40% |
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Free to use. It shows Mount Vernon NY Postal Employ Federal Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Mount Vernon NY Postal Employ Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 132) · FFIEC NIC profile (RSSD 888879)
Frequently asked questions
Is Mount Vernon NY Postal Employ Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Mount Vernon NY Postal Employ Federal Credit Union's net worth ratio is 16.50%, above the 7% NCUA threshold for well capitalized.
Is Mount Vernon NY Postal Employ Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Mount Vernon NY Postal Employ Federal Credit Union is a federally insured credit union (NCUA charter 132): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mount Vernon NY Postal Employ Federal Credit Union's key safety ratios?
For Q2 2026, Mount Vernon NY Postal Employ Federal Credit Union reports net worth 16.50%, delinquency 3.75%, ROA -0.61%, loan-to-share 19.75%.
What happens to my money if Mount Vernon NY Postal Employ Federal Credit Union fails?
For Q2 2026, Mount Vernon NY Postal Employ Federal Credit Union held $857K in shares and deposits for 141 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.