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Overview / Commentary
2190 NW 72 Avenue
Miami, FL 33122

Miami Postal Service Credit Union is headquartered in Miami and is the 56th largest credit union in the state of Florida. It is also the 1,360th largest credit union in the nation. It was established in 1991 and as of December of 2013, it had grown to 45 employees and 14,336 members. Miami Postal Service Credit Union's savings rates are 2X the national average, and it has a A health rating.

Field of Membership Restrictions

In addition to postal employees and retirees, membership is open to everyone who lives, works or worships within a 15 mile radius of the three credit union branches. Membership is also open to Federal Government employees and their families. - See Details

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Data for Q4 2013

Institution Health


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, 2013 Miami Postal Service Credit Union had $628,000 in non-current loans and owned real-estate with $12.97 million in equity and loan loss allowances on hand to cover it. This gives Miami Postal Service Credit Union a Texas Ratio of 4.84% 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 Miami Postal Service Credit Union experienced no significant changes from 4.48% as of December 31, 2012 to 4.84% as of December 31, 2013, resulting in a negative change of 8.08%. This indicates that the balance sheet and financial strength for Miami Postal Service Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Miami Postal Service Credit Union has decreased its total deposits by $-397,000, resulting in -0.39% 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 Miami Postal Service Credit Union has shown is average.



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. Miami Postal Service Credit Union has $115.1 million in assets with $12.97 million in equity, resulting in a capitalization level of 11.27%, which is excellent.

Institution Statistics

NCUA #67330
Year Chartered1991
Primary Regulator
Assets and Liabilities
Assets$115.10 million
Loans$46.35 million
Deposits$101.99 million
Equity Capital$12.09 million
Loan Loss Allowance$880,000
Unbacked Noncurrent Loans$628,000
Real Estate Owned$0
Historic Data - December 2012
Assets$116.09 million
Equity Capital$12.78 million
Loan Loss Allowance$855,000
Unbacked Noncurrent Loans$628,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.09%
Return on Assets0.22%
Return on Equity2.1%
Interest Income$3.94 million
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Miami Postal Service Credit Union Savings Account Rates

1.26%--IRA Savings Account
1.26%--Roth IRA Savings
1.26%--CESA Savings
0.40%--Regular Share
0.40%--Youth Share
0.40%--Club Account

Miami Postal Service Credit Union CD Rates

1.91%$1k-60 Month CD
1.00%$1k-36 Month CD
0.75%$25k-9 Month Super Jumbo CD
0.65%$5k-9 Month Jumbo CD
0.65%$1k-24 Month CD
0.50%$1k-9 Month CD
0.50%$1k-12 Month CD
0.50%$1k-18 Month CD
0.45%$1k-6 Month CD

Miami Postal Service Credit Union IRA Rates

1.91%$1k-60 Month IRA (Traditional,Roth,CESA)
1.00%$1k-36 Month IRA (Traditional,Roth,CESA)
0.75%$25k-9 Month Super Jumbo IRA (Traditional,CESA,Roth)
0.65%$5k-9 Month Jumbo IRA (Traditional,Roth,CESA)
0.65%$1k-24 Month IRA (Traditional,Roth,CESA)
0.50%$1k-9 Month IRA (Traditional,Roth,CESA)
0.50%$1k-12 Month IRA (Traditional,Roth,CESA)
0.50%$1k-18 Month IRA (Traditional,Roth,CESA)
0.45%$1k-6 Month IRA (Traditional,Roth,CESA)

Miami Postal Service Credit Union Locations
Branch Office12685 S Dixie Hwy Southpark CenterPinecrest, FL 33156-5958
Branch Office6171 NW 183rd StHialeah, FL 33015-6030
Branch Office2190 NW 72nd AveMiami, FL 33122-1824