Chicago Post Office Employees Credit Union

Chicago Post Office Employees Credit Union is headquartered in Chicago and is the 127^th largest credit union in the state of Illinois. It is also the 3,832^nd largest credit union in the nation. It was established in 1928 and as of December of 2011, it had grown to 11 employees and 4,534 members. Chicago Post Office Employees Credit Union's money market rates are 2X the national average, and it has a 4-star health rating.

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Chicago Post Office Employees Credit Union Money Market Rates

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Chicago Post Office Employees Credit Union IRA Rates

Data for Q4 2011

Institution Statistics CHICAGO POST OFFICE EMPLOYEES NCUA # 95826 BankRate Report View Year Chartered 1928 Employees 11 Primary Regulator Assets and Liabilities Assets $16.74 million Loans $12.07 million Deposits $12.40 million Equity Capital $3.74 million Loan Loss Allowance $811,000 Unbacked Noncurrent Loans $589,000 Historic Data - December 2010 Assets $17.39 million Equity Capital $4.20 million Loan Loss Allowance $825,000 Unbacked Noncurrent Loans $839,000 Profit Margin - Quarterly Net Interest Margin 10.99% Return on Assets 1.59% Return on Equity 7.11% Interest Income $1.60 million Non-Interest Income $1.17 million

Institution Health Overall Score: 4 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 Chicago Post Office Employees Credit Union had $589,000 in non-current loans and owned real-estate with $4.55 million in equity and loan loss allowances on hand to cover it. This gives Chicago Post Office Employees Credit Union a Texas Ratio of 12.93% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Chicago Post Office Employees Credit Union decreased slightly from 16.71% as of December 31, 2010 to 12.93% as of December 31, 2011, resulting in a positive change of 22.61%.This indicates that the balance sheet and financial strength for Chicago Post Office Employees Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Chicago Post Office Employees Credit Union has decreased its total deposits by $-58,000, resulting in -0.47% 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 Chicago Post Office Employees Credit Union has shown is average. 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. Chicago Post Office Employees Credit Union has $16.74 million in assets with $4.55 million in equity, resulting in a capitalization level of 27.21%, which is excellent.

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