Hartford Postal Employees Credit Union

Hartford Postal Employees Credit Union is headquartered in Wethersfield and is the 83^rd largest credit union in the state of Connecticut. It is also the 4,669^th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 3 employees and 2,363 members. Hartford Postal Employees Credit Union has a 4-star health rating.

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Hartford Postal Employees Credit Union IRA Rates

Data for Q4 2011

Institution Statistics HARTFORD POSTAL EMPLOYEES NCUA # 60482 BankRate Report View Year Chartered 1957 Employees 3 Primary Regulator Assets and Liabilities Assets $9.67 million Loans $7.57 million Deposits $7.84 million Equity Capital $1.77 million Loan Loss Allowance $186,000 Unbacked Noncurrent Loans $104,000 Real Estate Owned $94,000 Historic Data - December 2010 Assets $10.04 million Equity Capital $1.96 million Loan Loss Allowance $191,000 Unbacked Noncurrent Loans $148,000 Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets -1.96% Return on Equity -10.67% Interest Income $337,000 Non-Interest Income ($4,000)

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 Hartford Postal Employees Credit Union had $198,000 in non-current loans and owned real-estate with $1.96 million in equity and loan loss allowances on hand to cover it. This gives Hartford Postal Employees Credit Union a Texas Ratio of 10.11% 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 Hartford Postal Employees Credit Union held steady from 6.88% as of December 31, 2010 to 10.11% as of December 31, 2011, resulting in a negative change of 47.04%. This indicates that the balance sheet and financial strength for Hartford Postal Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, Hartford Postal Employees Credit Union has decreased its total deposits by $-206,000, resulting in -2.56% 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 Hartford Postal Employees Credit Union has shown is below 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. Hartford Postal Employees Credit Union has $9.67 million in assets with $1.96 million in equity, resulting in a capitalization level of 20.25%, which is excellent.

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