Government Printing Office Credit Union

Government Printing Office Credit Union Locations
P.O. Box 77119
Washington, DC 20013
www.gpofcu.org



Government Printing Office Credit Union is headquartered in Washington and is the 22nd largest credit union in the state of District of Columbia. It is also the 2,783rd largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 12 employees and 3,635 members. Government Printing Office Credit Union's savings rates are 3X the national average, and it has a 4-star health rating.



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

Government Printing Office Credit Union Checking Account Rates

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0.25%--Share Draft Checking

Government Printing Office Credit Union Savings Account Rates

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1.46%--IRA Accounts
1.46%--Roth IRA Accounts
1.46%--CESA Accounts
0.75%$25k-Regular Share Account
0.50%--Christmas Club
0.50%--Vacation Club
0.50%$500-Starter Investor Accounts

Government Printing Office Credit Union Money Market Rates

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1.16%$25k-Money Market Account

Government Printing Office Credit Union CD Rates

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1.76%$2k-60 Month CD
1.56%$2k-48 Month CD
1.46%$2k-36 Month CD
1.36%$25k-24 Month Jumbo CD
1.26%$500-24 Month CD
1.10%$25k-12 Month Jumbo CD
1.00%$500-12 Month CD
1.00%$25k-6 Month Jumbo CD
0.90%$500-6 Month CD

Government Printing Office Credit Union IRA Rates

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2.27%$2k-60 Month IRA
2.27%$2k-60 Month Roth IRA
2.27%$2k-60 Month CESA
2.02%$2k-48 Month IRA
2.02%$2k-48 Month Roth IRA
2.02%$2k-48 Month CESA
1.76%$2k-36 Month IRA
1.76%$2k-36 Month Roth IRA
1.76%$2k-36 Month CESA
1.51%$500-24 Month IRA
1.51%$500-24 Month Roth IRA
1.51%$500-24 Month CESA
1.26%$500-12 Month IRA
1.26%$500-12 Month Roth IRA
1.26%$500-12 Month CESA
1.00%$500-6 Month IRA
1.00%$500-6 Month Roth IRA
1.00%$500-6 Month CESA

Rates updated: 5/25/2012

Data for Q4 2011


Institution Statistics


GOVERNMENT PRINTING OFFICE
NCUA #538
BankRate ReportView
Year Chartered1935
Employees12
Primary Regulator

Assets and Liabilities

Assets$33.15 million
Loans$19.47 million
Deposits$27.34 million
Equity Capital$5.80 million
Loan Loss Allowance$259,000
Unbacked Noncurrent Loans$626,000

Historic Data - December 2010

Assets$31.57 million
Equity Capital$5.43 million
Loan Loss Allowance$392,000
Unbacked Noncurrent Loans$451,000

Profit Margin - Quarterly

Net Interest Margin7.39%
Return on Assets1.11%
Return on Equity6.36%
Interest Income$1.84 million
Non-Interest Income$560,000

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
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 Government Printing Office Credit Union had $626,000 in non-current loans and owned real-estate with $6.06 million in equity and loan loss allowances on hand to cover it. This gives Government Printing Office Credit Union a Texas Ratio of 10.33% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Government Printing Office Credit Union held steady from 7.74% as of December 31, 2010 to 10.33% as of December 31, 2011, resulting in a negative change of 33.42%. This indicates that the balance sheet and financial strength for Government Printing Office Credit Union has held steady in recent periods.
Deposit Growth4
In the past year, Government Printing Office Credit Union has increased its total deposits by $1.29 million, resulting in 4.94% 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 Government Printing Office Credit Union has shown is above average.
Capitalization5
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. Government Printing Office Credit Union has $33.15 million in assets with $6.06 million in equity, resulting in a capitalization level of 18.28%, which is excellent.
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