Champaign Postal Credit Union

Champaign Postal Credit Union is headquartered in Champaign and is the 285^th largest credit union in the state of Illinois. It is also the 6,364^th largest credit union in the nation. It was established in 1900 and as of December of 2011, it had grown to employees and 486 members. Champaign Postal Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

Champaign Postal Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics CHAMPAIGN POSTAL NCUA # 81530 BankRate Report View Year Chartered 1900 Employees 0 Primary Regulator Assets and Liabilities Assets $1.93 million Loans $1.38 million Deposits $1.45 million Equity Capital $476,000 Loan Loss Allowance $2,000 Historic Data - December 2010 Assets $1.70 million Equity Capital $475,000 Loan Loss Allowance $2,000 Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 0% Return on Equity 0% Interest Income $74,000

Institution Health Overall Score: 5 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 Champaign Postal Credit Union had $0 in non-current loans and owned real-estate with $478,000 in equity and loan loss allowances on hand to cover it. This gives Champaign Postal Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Champaign Postal Credit Union has increased its total deposits by $227,000, resulting in 18.55% 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 Champaign 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. Champaign Postal Credit Union has $1.93 million in assets with $478,000 in equity, resulting in a capitalization level of 24.81%, which is excellent.

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