White Plains P O Employees Federal Credit Union White Plains, New York
White Plains P O Employees Federal Credit Union is a federal credit union headquartered in White Plains, NY, established in 1939 (NCUA charter 3110), and it is regulated and insured by the NCUA. At Q2 2026 it reported 90 members and total assets of $851K (up 1.4% from Q2 2025), the 255th largest of 267 credit unions headquartered in New York. Its net worth ratio was 25.10% at Q2 2026, in the well capitalized band.
Also written as White Plains PO Employees FCU
BankRegReports is independent of White Plains P O Employees 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
- 3110
- Headquarters
- White Plains, NY
- Established
- 1939
- Total assets, Q2 2026
- $851K
- Assets vs Q2 2025
- +1.4%
- Members, Q2 2026
- 90
- Net worth ratio, Q2 2026
- 25.10%
- Latest call report
- Q2 2026, NCUA 5300 · White Plains P O Employees Federal Credit Union call report
- Asset rank in state
- 255th of 267 in New York
- Routing number
- 221981102
- Branches
- 1
It has 3 fewer members than on June 30, 2025 (-3.2%). Its net worth ratio was down 2.58 percentage points from 27.68% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $123K of $123K in total loans on its June 30, 2026 filing.
Credit unions similar in size in New York
Frequently asked about White Plains P O Employees Federal Credit Union
How big is White Plains P O Employees Federal Credit Union?
At Q2 2026 it reported total assets of $851K and 90 members.
Where is White Plains P O Employees Federal Credit Union headquartered?
It is headquartered in White Plains, NY, United States.
When was White Plains P O Employees Federal Credit Union founded?
It was established in 1939, per NCUA records.
Is White Plains P O Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 3110): 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 White Plains P O Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is White Plains P O Employees Federal Credit Union well capitalized?
Its net worth ratio was 25.10% 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 White Plains P O Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 19.58% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- White Plains, NY 10606
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 3110
- RSSD ID
- 511971
- Members
- 90
- Potential members
- 120
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 2 of 6 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% | 25.10% | 14.31% | 88th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -1.00% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -3.99% | 4.74% | 12th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.25% | 3.93% | 24th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 130.43% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.19% | 0.78% | 87th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.44% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 19.58% | 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
$851K total assets against $839K; $631K total shares and deposits against $601K; $123K total loans against $50K.
$214K net worth against $232K.
25.10% net worth ratio against 27.68%.
19.58% loan-to-share ratio against 8.24%.
-1.00% return on assets against -0.88%; -3.99% return on equity against -3.18%.
3.25% net interest margin against 3.12%.
90 members against 93.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 25.10% | -1.00% | — | 19.58% |
| March 31, 2026 | 24.72% | -1.60% | — | 7.67% |
| December 31, 2025 | 25.72% | -4.88% | — | 9.20% |
| September 30, 2025 | 26.79% | -1.73% | — | 8.38% |
| June 30, 2025 | 27.68% | -0.88% | — | 8.24% |
| March 31, 2025 | 27.37% | -1.19% | — | 9.35% |
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.