Jacksonville Postal & Professional Credit Union

Jacksonville Postal & Professional Credit Union Locations

1820 Rogero Road
Jacksonville, FL 32211
www.jppcu.org

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Jacksonville Postal & Professional Credit Union is headquartered in JACKSONVILLE and is the 92^nd largest credit union in the state of Florida. It is also the 2,398^th largest credit union in the nation. It was established in 1991 and as of December of 2011, it had grown to 10 employees and 4,458 members. Jacksonville Postal & Professional Credit Union has a 5-star health rating.

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See Rates for: Savings | CD | IRA

Jacksonville Postal & Professional Credit Union Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	Share Account
0.50%	-	-	Club Account
0.50%	-	-	IRA Savings
0.50%	-	-	Roth IRA Savings
0.50%	-	-	CESA Savings

Jacksonville Postal & Professional Credit Union CD Rates

Apy	Min	Max	Product
1.43%	$2,500	-	48 Month CD
1.32%	$2,500	-	36 Month CD
0.96%	$2,500	-	24 Month CD
0.82%	$2,500	-	12 Month CD
0.55%	$2,500	-	6 Month CD

Jacksonville Postal & Professional Credit Union IRA Rates

Apy	Min	Max	Product
1.43%	$2k	-	48 Month IRA
1.43%	$2k	-	48 Month Roth IRA
1.43%	$2k	-	48 Month CESA
1.32%	$2k	-	36 Month IRA
1.32%	$2k	-	36 Month Roth IRA
1.32%	$2k	-	36 Month CESA
0.96%	$2k	-	24 Month IRA
0.96%	$2k	-	24 Month Roth IRA
0.96%	$2k	-	24 Month CESA
0.82%	$2k	-	12 Month IRA
0.82%	$2k	-	12 Month Roth IRA
0.82%	$2k	-	12 Month CESA
0.55%	$2k	-	6 Month IRA
0.55%	$2k	-	6 Month Roth IRA
0.55%	$2k	-	6 Month CESA

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

JACKSONVILLE POSTAL & PROFESSIONAL
NCUA #	67298
BankRate Report	View
Year Chartered	1991
Employees	10
Primary Regulator
Assets and Liabilities
Assets	$44.33 million
Loans	$19.70 million
Deposits	$35.75 million
Equity Capital	$8.38 million
Loan Loss Allowance	$306,000
Unbacked Noncurrent Loans	$448,000
Real Estate Owned	$148,000
Historic Data - December 2010
Assets	$43.25 million
Equity Capital	$8.33 million
Loan Loss Allowance	$341,000
Unbacked Noncurrent Loans	$244,000
Real Estate Owned	$96,000
Profit Margin - Quarterly
Net Interest Margin	6.53%
Return on Assets	0.12%
Return on Equity	0.63%
Interest Income	$1.73 million
Non-Interest Income	$210,000

Institution Health

Overall Score:

5 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 Jacksonville Postal & Professional Credit Union had $596,000 in non-current loans and owned real-estate with $8.69 million in equity and loan loss allowances on hand to cover it. This gives Jacksonville Postal & Professional Credit Union a Texas Ratio of 6.86% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Jacksonville Postal & Professional Credit Union held steady from 3.92% as of December 31, 2010 to 6.86% as of December 31, 2011, resulting in a negative change of 74.89%. This indicates that the balance sheet and financial strength for Jacksonville Postal & Professional Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Jacksonville Postal & Professional Credit Union has increased its total deposits by $994,000, resulting in 2.86% 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 Jacksonville Postal & Professional Credit Union has shown is above 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. Jacksonville Postal & Professional Credit Union has $44.32 million in assets with $8.69 million in equity, resulting in a capitalization level of 19.60%, which is excellent.

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