Fayetteville Postal Credit Union

Fayetteville Postal Credit Union is headquartered in fayetteville and is the 75^th largest credit union in the state of North Carolina. It is also the 5,189^th largest credit union in the nation. It was established in 1928 and as of December of 2011, it had grown to 4 employees and 1,606 members. Fayetteville Postal Credit Union's savings rates are 5X the national average, and it has a 4-star health rating.

Fayetteville Postal Credit Union Routing Number: 253175656

Fayetteville Postal Credit Union Checking Account Rates

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Data for Q4 2011

Institution Statistics FAYETTEVILLE POSTAL NCUA # 63612 BankRate Report View Year Chartered 1928 Employees 4 Primary Regulator Assets and Liabilities Assets $6.65 million Loans $4.48 million Deposits $5.92 million Equity Capital $660,000 Loan Loss Allowance $67,000 Unbacked Noncurrent Loans $145,000 Historic Data - December 2010 Assets $6.24 million Equity Capital $651,000 Loan Loss Allowance $44,000 Unbacked Noncurrent Loans $150,000 Profit Margin - Quarterly Net Interest Margin 7.61% Return on Assets 0.14% Return on Equity 1.36% Interest Income $423,000 Non-Interest Income $123,000

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 Fayetteville Postal Credit Union had $145,000 in non-current loans and owned real-estate with $727,000 in equity and loan loss allowances on hand to cover it. This gives Fayetteville Postal Credit Union a Texas Ratio of 19.94% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Fayetteville Postal Credit Union held steady from 21.58% as of December 31, 2010 to 19.94% as of December 31, 2011, resulting in a positive change of 7.59%.This indicates that the balance sheet and financial strength for Fayetteville Postal Credit Union has held steady in recent periods. Deposit Growth In the past year, Fayetteville Postal Credit Union has increased its total deposits by $396,000, resulting in 7.17% 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 Fayetteville 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. Fayetteville Postal Credit Union has $6.65 million in assets with $727,000 in equity, resulting in a capitalization level of 10.94%, which is above average.

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