Central Florida Postal Credit Union

Central Florida Postal Credit Union is headquartered in Orlando and is the 77^th largest credit union in the state of Florida. It is also the 2,100^th largest credit union in the nation. It was established in 1991 and as of December of 2011, it had grown to 23 employees and 9,087 members. Central Florida Postal Credit Union's savings rates are 92% higher than the national average, and it has a 3-star health rating.

Central Florida Postal Credit Union Routing Number: 263181423

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Data for Q4 2011

Institution Statistics CENTRAL FLORIDA POSTAL NCUA # 67319 BankRate Report View Year Chartered 1991 Employees 23 Primary Regulator Assets and Liabilities Assets $56.05 million Loans $43.76 million Deposits $50.71 million Equity Capital $4.77 million Loan Loss Allowance $1.14 million Unbacked Noncurrent Loans $1.92 million Real Estate Owned $29,000 Historic Data - December 2010 Assets $46.82 million Equity Capital $4.25 million Loan Loss Allowance $1.10 million Unbacked Noncurrent Loans $1.28 million Real Estate Owned $359,000 Profit Margin - Quarterly Net Interest Margin 6.46% Return on Assets 0.33% Return on Equity 3.92% Interest Income $2.95 million Non-Interest Income $857,000

Institution Health Overall Score: 3 out of 5 Texas Ratio 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 December 31, 2011 Central Florida Postal Credit Union had $1.95 million in non-current loans and owned real-estate with $5.91 million in equity and loan loss allowances on hand to cover it. This gives Central Florida Postal Credit Union a Texas Ratio of 32.99% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Central Florida Postal Credit Union held steady from 30.60% as of December 31, 2010 to 32.99% as of December 31, 2011, resulting in a negative change of 7.82%. This indicates that the balance sheet and financial strength for Central Florida Postal Credit Union has held steady in recent periods. Deposit Growth In the past year, Central Florida Postal Credit Union has increased its total deposits by $8.85 million, resulting in 21.15% 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 Central Florida Postal Credit Union has shown is excellent. Capitalization 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. Central Florida Postal Credit Union has $56.04 million in assets with $5.91 million in equity, resulting in a capitalization level of 10.54%, which is above average.

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