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Overview / Commentary
615-782-7220
2711 Old Lebanon Rd
Nashville, TN 37214

M.P.D. Community Credit Union is headquartered in NASHVILLE and is the 80th largest credit union in the state of Tennessee. It is also the 3,238th largest credit union in the nation. It was established in 1966 and as of March of 2014, it had grown to 9 employees and 3,161 members. M.P.D. Community Credit Union's savings rates are 3X the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in MPD Community Credit Union is open to those who live, work, worship, attend school or conduct business in Davidson County, Tennessee. - See Details

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Health

Data for Q1 2014

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. M.P.D. Community Credit Union has a low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 M.P.D. Community Credit Union had $37,000 in non-current loans and owned real-estate with $2.11 million in equity and loan loss allowances on hand to cover it. This gives M.P.D. Community Credit Union a Texas Ratio of 1.75% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for M.P.D. Community Credit Union experienced no significant changes from 1.82% as of March 31, 2013 to 1.75% as of March 31, 2014, resulting in a positive change of 3.55%.This indicates that the balance sheet and financial strength for M.P.D. Community Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
C

In the past year, M.P.D. Community Credit Union has decreased its total deposits by $-563,000, resulting in -2.43% 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 M.P.D. Community Credit Union has shown is average.

Capitalization

GRADE:
C

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. M.P.D. Community Credit Union has $24.72 million in assets with $2.11 million in equity, resulting in a capitalization level of 8.54%, which is average.

Institution Statistics

Overall
NCUA #67979
Year Chartered1966
Employees9
Primary Regulator
Assets and Liabilities
Assets$24.72 million
Loans$17.29 million
Deposits$22.60 million
Equity Capital$1.94 million
Loan Loss Allowance$174,000
Unbacked Noncurrent Loans$37,000
Real Estate Owned$0
Historic Data - March 2013
Assets$25.18 million
Equity Capital$1.83 million
Loan Loss Allowance$152,000
Unbacked Noncurrent Loans$37,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.33%
Return on Assets0.18%
Return on Equity2.27%
Interest Income$252,000
Rates

Always verify rates and promotions with the bank or credit union. We are not M.P.D. Community Credit Union, we are a rate comparison website and can not provide official rates or promotions.

M.P.D. Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.30%--IRA Savings
0.30%--Super Saver's (0-13 Years of Age)
0.10%$200-Special Savings
0.10%$200$15kSavings

M.P.D. Community Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$80k-Money Market Savings

M.P.D. Community Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$500-Checking

M.P.D. Community Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.31%$2,500-60 Month Share Certificate
1.21%$2,500-48 Month Share Certificate
0.96%$2,500-36 Month Share Certificate
0.71%$2,500-24 Month Share Certificate
0.55%$2,500-18 Month Share Certificate
0.50%$2,500-12 Month Share Certificate
0.35%$2,500-6 Month Share Certificate
0.35%$2,500-9 Month Share Certificate
0.21%$2,500-3 Month Share Certificate
Locations


M.P.D. Community Credit Union Locations
Branch Office200 JAMES ROBERTSON PKWYNASHVILLE, TN 37201
Branch Office2711 OLD LEBANON RDNASHVILLE, TN 37214