M.P.D. Community Credit Union

M.P.D. Community Credit Union Locations
2711 Old Lebanon Rd
Nashville, TN 37214
(615) 782-7220
www.mpdcu.org

NCUA


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 3,236th largest credit union in the nation. It was established in 1966 and as of December of 2012, it had grown to 9 employees and 3,175 members. M.P.D. Community Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

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Top CD Rates at MPD Community Credit Union in Nashville - Local Only - 1/13/2011

MPD Community Credit Union is offering several competitive CD rates. The best include a 1.80% APY for a 1-year CD and 2.00% APY for a 2-year CD. Other notable rates include 2.11% APY for a 3-year CD a ...



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

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

ApyMinMaxProduct
0.10%$500-Checking

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

ApyMinMaxProduct
1.50%--IRA Savings
0.50%--Super Saver's (0-13 Years of Age)
0.30%--Christmas Club
0.20%$200$15kSavings
0.10%$200-Special Savings

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

ApyMinMaxProduct
0.65%$80k-Money Market Savings
0.65%$100k-Money Market Checking

M.P.D. Community Credit Union CD Rates

ApyMinMaxProduct
1.31%$2,500-60 Month Share Certificate
1.10%$2,500-48 Month Share Certificate
0.80%$2,500-36 Month Share Certificate
0.70%$2,500-24 Month Share Certificate
0.60%$2,500-18 Month Share Certificate
0.50%$2,500-12 Month Share Certificate
0.33%$2,500-9 Month Share Certificate
0.30%$2,500-6 Month Share Certificate
0.25%$2,500-3 Month Share Certificate

Rates updated: 6/17/2013

Data for Q4 2012


Institution Statistics


M.P.D. COMMUNITY
NCUA #67979
BankRate ReportView
Year Chartered1966
Employees9
Primary Regulator

Assets and Liabilities

Assets$24.76 million
Loans$18.08 million
Deposits$22.80 million
Equity Capital$1.82 million
Loan Loss Allowance$189,000
Unbacked Noncurrent Loans$54,000

Historic Data - December 2011

Assets$23.36 million
Equity Capital$1.75 million
Loan Loss Allowance$80,000
Unbacked Noncurrent Loans$44,000

Profit Margin - Quarterly

Net Interest Margin5.49%
Return on Assets0.27%
Return on Equity3.69%
Interest Income$1.14 million
Non-Interest Income$381,000

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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, 2012 M.P.D. Community Credit Union had $54,000 in non-current loans and owned real-estate with $2.01 million in equity and loan loss allowances on hand to cover it. This gives M.P.D. Community Credit Union a Texas Ratio of 2.69% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for M.P.D. Community Credit Union held steady from 2.40% as of December 31, 2011 to 2.69% as of December 31, 2012, resulting in a negative change of 11.90%. This indicates that the balance sheet and financial strength for M.P.D. Community Credit Union has held steady in recent periods.
Deposit Growth5
In the past year, M.P.D. Community Credit Union has increased its total deposits by $1.3 million, resulting in 6.07% 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 excellent.
Capitalization3
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 $24.76 million in assets with $2.01 million in equity, resulting in a capitalization level of 8.11%, which is average.
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