Atlanta Postal CU

3900 Crown Road
Atlanta, GA 30380
(800) 849-8431
www.apcu.com
 

Related Blog Posts

Top CD Rates at Atlanta Postal Credit Union in Georgia - Local Only - 4/8/2010

Atlanta Postal Credit Union continues to offer very competitive short-term CD rates. These include a 1.75% APY 6-month CD and a 2.00% APY 12-month CD. Below is a list of the CD rates listed in the cr ...

2.10% 6-Month CD and other Competitive CD Rates at Atlanta Postal Credit Union - Local Only - 1/8/2010

Atlanta Postal Credit Union continues to offer very competitive short-term CD rates. These include a 2.00% APY 3-month CD, a 2.10% APY 6-month CD and a 2.25% APY 12-month CD. Below is a list of the CD rates listed in the credit union's rate table as of...

2.50% 6-Month CD and other Competitive CD Rates at Atlanta Postal Credit Union - Local Only - 9/20/2009

Atlanta Postal Credit Union is offering very competitive short-term CD rates. These include a 2.25% APY 3-month CD, a 2.50% APY 6-month CD and a 2.75% APY 12-month CD. Below is a list of the CD rates listed in the credit union's rate table as of...

3.00% 12-Month CD and other High CD Rates at Atlanta Postal Credit Union - Local Only - 5/18/2009

Atlanta Postal Credit Union is listing several competitive certificate and IRA rates. Below is a list of the most competitive CD rates listed in the credit union's rate table as of 5/18/09.2.25% APY 91-day2.50% APY 6-month3.00% APY 12-month3.25% APY...

2009

2008

2007



Report an Issue
See Rates for: Checking | Savings | CD | IRA

Checking Accounts

ApyMinMaxProduct
1.25%--Platinum Advantage Checking Account
1.00%--Share Draft Account

Savings Accounts

ApyMinMaxProduct
2.50%--Individual Retirement Account Savings
1.50%$50-Share Account (Regular Savings)
1.50%--Holiday Club Savings
1.50%--Vacation Club Savings

Certificates of Deposit

ApyMinMaxProduct
3.15%$500-60 Month CD
3.00%$500-48 Month CD
2.50%$500-36 Month CD
2.25%$500-30 Month CD
2.10%$500-24 Month CD
1.80%$500-12 Month CD
1.60%$500-6 Month CD
1.50%$500-91 Day CD

IRA Accounts

ApyMinMaxProduct
3.15%$2k-60 Month IRA
3.00%$2k-48 Month IRA
2.50%$2k-36 Month IRA
2.25%$2k-30 Month IRA
2.10%$2k-24 Month IRA
1.80%$2k-12 Month IRA

Institution Statistics


NCUA #67389
BankRate ReportView
Year Established1925
Employees141
Primary Regulator

Assets and Liabilities

Assets$1.90 billion
Loans$853.73 million
Deposits$1.68 billion
Equity Capital$221.27 million
Loan Loss Allowance$12.53 million
Unbacked Noncurrent Loans$8.62 million
Real Estate Owned$1.83 million

Historic Data - March 2009

Assets$1.91 billion
Equity Capital$237.44 million
Loan Loss Allowance$4.73 million
Unbacked Noncurrent Loans$8.19 million

Profit Margin - Quarterly

Net Interest Margin1.41%
Return on Assets1.1%
Return on Equity9.44%
Interest Income$19.49 million
Non-Interest Income$1.40 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 1, 2010 Atlanta Postal CU had $10.45 million in non-current loans and owned real-estate with $233.8 million in equity and loan loss allowances on hand to cover it. This gives Atlanta Postal CU a Texas Ratio of 4.47% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for Atlanta Postal CU increased slightly from 3.38% as of March 1, 2009 to 4.47% as of March 1, 2010, resulting in a negative change of 32.15%. This indicates that the balance sheet and financial strength for Atlanta Postal CU has declined slightly in recent periods.
Deposit Growth5
In the past year, Atlanta Postal CU has increased it's total deposits by $194.06 million, resulting in 13.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Atlanta Postal CU has shown is excellent.
Capitalization3
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Atlanta Postal CU has $1.9 billion in assets with $233.8 million in equity, resulting in a capitalization level of 12.28%, which is average.
Write Review

No reviews have been left for this bank yet. Be the first to review.


 
ad

ad