TellerScore

Mount Vernon NY Postal Employees Federal Credit Union is a federal credit union headquartered in Mount Vernon, New York, in business for about 91 years. At the end of Q2 2026 it reported $1.0M in total assets and $857K in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Mount Vernon NY Postal Employees Federal Credit Union scores 54/100, which we describe as below average. That is higher than only 13% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 230th. Its strongest component is capital cushion (100/100; 16.50%), and its lowest is earnings (0/100; -0.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.50%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.75%
Earnings0/100
Return on assets (annualized): -0.59%
Funding & liquidity100/100
Loans ÷ shares: 19.7% · 0.0% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.51%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 46 points (100 → 54), mostly because the loan quality component weakened by 100 points.

TellerScore
5477100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202461
Q4 202480
Q1 2025100
Q2 2025100
Q3 2025100
Q4 202593
Q1 202676
Q2 202654
Net worth ratio
7.00%12.14%17.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.02%
Q3 202414.67%
Q4 202415.05%
Q1 202515.51%
Q2 202516.21%
Q3 202515.83%
Q4 202517.27%
Q1 202616.52%
Q2 202616.50%
Delinquent loans (60+ days)
0.00%3.03%6.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20246.06%
Q3 20243.05%
Q4 20240.64%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.30%
Q1 20260.51%
Q2 20263.75%
Return on assets
-0.59%1.95%4.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.58%
Q3 20240.40%
Q4 20240.15%
Q1 20254.37%
Q2 20254.49%
Q3 20252.79%
Q4 20251.45%
Q1 2026-0.57%
Q2 2026-0.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$1.0M16.50%3.75%-0.59%19.7%
Q1 202676$1.0M16.52%0.51%-0.57%18.1%
Q4 202593$1.0M17.27%0.30%1.45%18.7%
Q3 2025100$1.2M15.83%0.00%2.79%17.2%
Q2 2025100$1.1M16.21%0.00%4.49%18.3%
Q1 2025100$1.1M15.51%0.00%4.37%18.4%
Q4 202480$1.1M15.05%0.64%0.15%20.7%
Q3 202461$1.1M14.67%3.05%0.40%22.5%
Q2 202462$1.1M15.02%6.06%0.58%18.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.50%
63rd
Problem loans3.75%
10th
Net charge-offs-1.07%
99th
Return on assets-0.59%
10th
Loans to deposits19.7%
95th
Uninsured deposits0.0%
81st
Loan-loss reserves6.29%
97th
Texas ratio3.5%
39th

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InstitutionScoreAssetsCapitalProblem loansCompare
Amnh Employees Federal Credit UnionCredit union New York, NY87 out of 100, Very strong$1.0M20.3%0.00%vs
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Deposit insurance

Is my money safe at Mount Vernon NY Postal Employees Federal Credit Union?

Yes. Mount Vernon NY Postal Employees Federal Credit Union is a federally insured credit union (NCUA charter #132). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 16.50%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Mount Vernon NY Postal Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mount Vernon NY Postal Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
132
RSSD ID
888879
Primary regulator
NCUA
Established
1935
Headquarters
15 South First Ave, PO Box 1173, Mount Vernon, NY 10550
Employees
2

Quick answers

Mount Vernon NY Postal Employees Federal Credit Union: common questions

Is Mount Vernon NY Postal Employees Federal Credit Union NCUA insured?

Yes. Mount Vernon NY Postal Employees Federal Credit Union is a federally insured credit union (NCUA charter #132). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Mount Vernon NY Postal Employees Federal Credit Union's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Mount Vernon NY Postal Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Mount Vernon

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Paul Quinn Federal Credit UnionCredit union Jamaica, NY93 out of 100, Very strong$358K26.1%0.00%vs
Gha Federal Credit UnionCredit union Greenwich, CT91 out of 100, Very strong$29.7M17.5%0.56%vs