Credit Union Safety Analysis
Is U S Postal Service Federal Credit Union Safe? Clinton, Maryland
Based on its Q2 2026 NCUA 5300 call report, U S Postal Service Federal Credit Union has a net worth ratio of 10.71%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.72%, 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, U S Postal Service Federal Credit Union's net worth ratio is 10.71%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.71%
- Delinquency ratio (60+ days) (Q2 2026): 0.72%
- Return on assets (Q2 2026): -0.03%
- Loan-to-share ratio (Q2 2026): 76.96%
U S Postal Service Federal Credit Union (NCUA charter 16402, established 1964) reported $280.3M in assets and 25,227 members for Q2 2026 from Clinton, Maryland. It ranks 27 of 58 credit unions in Maryland by total assets. Total assets grew 0.5% from $278.8M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.49% for Q1 2026; 10.79% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.76% for Q1 2026; 1.07% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.12% for Q1 2026; 0.33% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 74.42% for Q1 2026; 77.12% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $108.3M
- Used vehicle loans: $37.5M
- Other secured non-real estate loans and lines of credit: $18.6M
- New vehicle loans: $12.1M
- Unsecured credit card loans: $11.8M
- Other unsecured loans and lines of credit: $3.6M
- Non-federally guaranteed student loans: $333K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $280.3M | 10.71% | 0.72% | -0.03% | 76.96% |
| March 31, 2026 | $286.3M | 10.49% | 0.76% | 0.12% | 74.42% |
| December 31, 2025 | $283.8M | 10.55% | 0.66% | -0.20% | 77.00% |
| September 30, 2025 | $280.9M | 10.71% | 0.74% | 0.02% | 74.80% |
| June 30, 2025 | $278.8M | 10.79% | 1.07% | 0.33% | 77.12% |
| March 31, 2025 | $279.6M | 10.68% | 0.81% | 0.26% | 77.59% |
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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.
U S Postal Service Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 16402) · FFIEC NIC profile (RSSD 939285)
Frequently asked questions
Is U S Postal Service Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, U S Postal Service Federal Credit Union's net worth ratio is 10.71%, above the 7% NCUA threshold for well capitalized.
Is U S Postal Service Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. U S Postal Service Federal Credit Union is a federally insured credit union (NCUA charter 16402): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are U S Postal Service Federal Credit Union's key safety ratios?
For Q2 2026, U S Postal Service Federal Credit Union reports net worth 10.71%, delinquency 0.72%, ROA -0.03%, loan-to-share 76.96%.
What happens to my money if U S Postal Service Federal Credit Union fails?
For Q2 2026, U S Postal Service Federal Credit Union held $249.7M in shares and deposits for 25,227 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.