MIDDLESEX-ESSEX POSTAL EMPLOYEES
Federal • NORTH READING, Massachusetts • Est. 1969
Quick Facts
- Charter Number
- #19446
- Type
- Federal
- Established
- 1969
- Headquarters
- NORTH READING, Massachusetts 01864
- Address
- PO Box 577
- Branches
- 1
- Members
- 632
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
632 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MIDDLESEX-ESSEX POSTAL EMPLOYEES |
|---|---|
| Total Assets | $4.7M |
| Members | 632 |
| Loans Outstanding | $1.5M |
| Shares & Deposits | $3.0M |
| Net Worth | $1.7M |
| Net Worth Ratio | 35.82% |
| Loan-to-Share Ratio | 49.9% |
| Delinquency Rate | 0.64% |
| Net Income | +$81,411 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
MAIN OFFICE
Main Office76 Main St
North Reading, MA 01889-7001
Who Can Join MIDDLESEX-ESSEX POSTAL EMPLOYEES?
Membership Type: Community
Membership eligibility for MIDDLESEX-ESSEX POSTAL EMPLOYEES may vary. Contact the credit union directly to confirm qualification requirements.
Contact MIDDLESEX-ESSEX POSTAL EMPLOYEES directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Massachusetts RankingsFrequently Asked Questions
Yes. MIDDLESEX-ESSEX POSTAL EMPLOYEES is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, MIDDLESEX-ESSEX POSTAL EMPLOYEES has 632 members and a potential membership field of 2,000 people.
MIDDLESEX-ESSEX POSTAL EMPLOYEES's net worth ratio is 35.82% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 35.8%, MIDDLESEX-ESSEX POSTAL EMPLOYEES meets this threshold.
MIDDLESEX-ESSEX POSTAL EMPLOYEES operates 1 branch location. The main office is located at 76 Main St, North Reading, MA 01889-7001.
MIDDLESEX-ESSEX POSTAL EMPLOYEES was established in 1969. It is a federal credit union chartered under charter number 19446. The institution has been serving members for 57 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MIDDLESEX-ESSEX POSTAL EMPLOYEES. All financial data is for informational purposes only.