U S Postal Service Federal Credit Union Clinton, Maryland
U S Postal Service Federal Credit Union is a federal credit union headquartered in Clinton, MD, established in 1964 (NCUA charter 16402), and it is regulated and insured by the NCUA. At Q2 2026 it reported 25,227 members and total assets of $280.3M (up 0.5% from Q2 2025), the 27th largest of 58 credit unions headquartered in Maryland. Its net worth ratio was 10.71% at Q2 2026, in the well capitalized band.
Also written as US Postal Service FCU
BankRegReports is independent of U S Postal Service Federal Credit Union and never asks for online banking logins or passwords.
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
- 16402
- Headquarters
- Clinton, MD
- Established
- 1964
- Total assets, Q2 2026
- $280.3M
- Assets vs Q2 2025
- +0.5%
- Members, Q2 2026
- 25,227
- Net worth ratio, Q2 2026
- 10.71%
- Latest call report
- Q2 2026, NCUA 5300 · U S Postal Service Federal Credit Union call report
- Asset rank in state
- 27th of 58 in Maryland
- Routing number
- 254075441
- Branches
- 8
It has 97 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was down 0.08 percentage points from 10.79% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $108.3M of $192.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.72% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.71% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Maryland
Credit unions merged into U S Postal Service Federal Credit Union
Napfe Federal Credit Union (2021)
Frequently asked about U S Postal Service Federal Credit Union
How big is U S Postal Service Federal Credit Union?
At Q2 2026 it reported total assets of $280.3M and 25,227 members.
Where is U S Postal Service Federal Credit Union headquartered?
It is headquartered in Clinton, MD, United States.
When was U S Postal Service Federal Credit Union founded?
It was established in 1964, per NCUA records.
Is U S Postal Service Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 16402): 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 U S Postal Service Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is U S Postal Service Federal Credit Union well capitalized?
Its net worth ratio was 10.71% 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 U S Postal Service Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.72% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is U S Postal Service Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 76.96% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Clinton, MD 20735
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1964
- NCUA Charter #
- 16402
- RSSD ID
- 939285
- Members
- 25,227
- Potential members
- 73,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 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: 9.81% to 13.58% | 10.71% | 11.43% | 39th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | -0.03% | 0.81% | under 10th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | -0.24% | 7.02% | under 10th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.24% | 3.70% | 23rd bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 95.35% | 76.55% | under 10th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.16% | 1.24% | 56th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.72% | 0.68% | 48th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.40% | 4.92% | 19th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 76.96% | 75.66% | 53rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$280.3M total assets against $278.8M; $249.7M total shares and deposits against $247.5M; $192.2M total loans against $190.8M.
$30.0M net worth against $30.1M.
10.71% net worth ratio against 10.79%.
76.96% loan-to-share ratio against 77.12%.
0.72% delinquency ratio against 1.07%.
-0.03% return on assets against 0.33%; -0.24% return on equity against 3.05%.
3.24% net interest margin against 3.21%.
25,227 members against 25,324.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.71% | -0.03% | 0.72% | 76.96% |
| March 31, 2026 | 10.49% | 0.12% | 0.76% | 74.42% |
| December 31, 2025 | 10.55% | -0.20% | 0.66% | 77.00% |
| September 30, 2025 | 10.71% | 0.02% | 0.74% | 74.80% |
| June 30, 2025 | 10.79% | 0.33% | 1.07% | 77.12% |
| March 31, 2025 | 10.68% | 0.26% | 0.81% | 77.59% |
Scroll sideways to see every column.
Watch flags
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.