Cport Credit Union

50 Riverside Industrial Parkway
Portland, ME 04104
800-464-0253
www.cportcu.org

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Cport Credit Union is headquartered in Portland and is the 15^st largest credit union in the state of Maine. It is also the 1,142^nd largest credit union in the nation. It was established in 1931 and as of December of 2012, it had grown to 45 employees and 13,800 members. Cport Credit Union has a 4-star health rating.

Cport Credit Union Routing Number: 211288239

5.50% 9-Month CD at a Maine Credit Union (cPort) - 7/22/2007

cPort Credit Union is offering a 5.50% APY 9-month share certificate. The minimum deposit is $1,000. The offer is availble through 9/4/07.The credit union also has a $25 promotion for starting direct deposit into an account. Maintaining the direct...

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See Rates for: Savings | Money Market | CD | IRA

Cport Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	$100	-	IRA Savings Account
0.25%	$100	-	College Club Account
0.20%	$100	-	Share Savings Account
0.20%	$100	-	Club Account

Cport Credit Union Money Market Rates

Apy	Min	Max	Product
0.45%	$100k	-	Money Market Plus
0.25%	$2,500	-	Money Market Account

Cport Credit Union CD Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month Classic Share Certificate
1.40%	$500	-	60 Month Share Certificate
1.25%	$500	-	48 Month Classic Share Certificate
1.15%	$500	-	48 Month Share Certificate
1.00%	$500	-	36 Month Classic Share Certificate
0.90%	$500	-	30 Month Classic Share Certificate
0.90%	$500	-	36 Month Share Certificate
0.80%	$500	-	24 Month Classic Share Certificate
0.80%	$500	-	30 Month Share Certificate
0.70%	$500	-	18 Month Classic Share Certificate
0.70%	$500	-	24 Month Share Certificate
0.60%	$500	-	12 Month Classic Share Certificate
0.60%	$10k	-	15 Month Classic Liquid Certificate
0.60%	$500	-	18 Month Share Certificate
0.55%	$10k	-	12 Month Classic Liquid Certificate
0.50%	$500	-	9 Month Classic Share Certificate
0.50%	$500	-	12 Month Share Certificate
0.50%	$10k	-	15 Month Liquid Certificate
0.45%	$10k	-	12 Month Liquid Certificate
0.40%	$500	-	6 Month Classic Share Certificate
0.40%	$500	-	9 Month Share Certificate
0.35%	$500	-	3 Month Classic Share Certificate
0.30%	$500	-	6 Month Share Certificate
0.25%	$500	-	3 Month Share Certificate

Cport Credit Union IRA Rates

Apy	Min	Max	Product
1.50%	$100	-	60 Month Classic IRA
1.40%	$100	-	60 Month IRA
1.25%	$100	-	48 Month Classic IRA
1.15%	$100	-	48 Month IRA
1.00%	$100	-	36 Month Classic IRA
0.90%	$100	-	36 Month IRA
0.90%	$100	-	30 Month Classic IRA
0.80%	$100	-	30 Month IRA
0.80%	$100	-	24 Month Classic IRA
0.70%	$100	-	24 Month IRA
0.70%	$100	-	18 Month Classic IRA
0.60%	$100	-	18 Month IRA
0.60%	$100	-	12 Month Classic IRA
0.50%	$100	-	12 Month IRA
0.50%	$100	-	9 Month Classic IRA
0.40%	$100	-	9 Month IRA
0.40%	$100	-	6 Month Classic IRA
0.35%	$100	-	3 Month Classic IRA
0.30%	$100	-	6 Month IRA
0.25%	$100	-	3 Month IRA

Rates updated: 4/28/2013

Data for Q4 2012

Institution Statistics

CPORT
NCUA #	63828
BankRate Report	View
Year Chartered	1931
Employees	45
Primary Regulator
Assets and Liabilities
Assets	$143.81 million
Loans	$91.94 million
Deposits	$129.20 million
Equity Capital	$13.87 million
Loan Loss Allowance	$684,000
Unbacked Noncurrent Loans	$1.45 million
Real Estate Owned	$144,000
Historic Data - December 2011
Assets	$134.34 million
Equity Capital	$13.39 million
Loan Loss Allowance	$844,000
Unbacked Noncurrent Loans	$1.42 million
Profit Margin - Quarterly
Net Interest Margin	4.24%
Return on Assets	0.36%
Return on Equity	3.74%
Interest Income	$4.87 million
Non-Interest Income	$2.03 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, 2012 Cport Credit Union had $1.6 million in non-current loans and owned real-estate with $14.55 million in equity and loan loss allowances on hand to cover it. This gives Cport Credit Union a Texas Ratio of 10.97% 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 Cport Credit Union held steady from 9.95% as of December 31, 2011 to 10.97% as of December 31, 2012, resulting in a negative change of 10.28%. This indicates that the balance sheet and financial strength for Cport Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Cport Credit Union has increased its total deposits by $8.97 million, resulting in 7.46% 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 Cport 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. Cport Credit Union has $143.8 million in assets with $14.55 million in equity, resulting in a capitalization level of 10.12%, which is above average.

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Cport Credit Union

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