M.P.D. Community Credit Union

2711 Old Lebanon Rd
Nashville, TN 37214
(615) 782-7220
www.mpdcu.org

OverView
Rates
Health
Reviews

M.P.D. Community Credit Union is headquartered in NASHVILLE and is the 83^rd largest credit union in the state of Tennessee. It is also the 3,310^st largest credit union in the nation. It was established in 1966 and as of December of 2011, it had grown to 10 employees and 3,075 members. M.P.D. Community Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

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 ...

Report an Issue

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

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

	Apy	Min	Max	Product
	0.10%	$500	-	Checking

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

Apy	Min	Max	Product
1.50%	-	-	IRA Savings
0.50%	-	-	Super Saver's (0-13 Years of Age)
0.30%	-	-	Christmas Club
0.29%	$30k	-	Savings
0.10%	$200	-	Special Savings

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

Apy	Min	Max	Product
0.80%	$80k	-	Money Market Savings
0.80%	$100k	-	Money Market Checking

M.P.D. Community Credit Union CD Rates

Apy	Min	Max	Product
1.61%	$2,500	-	60 Month Share Certificate
1.51%	$2,500	-	48 Month Share Certificate
1.21%	$2,500	-	36 Month Share Certificate
1.06%	$2,500	-	24 Month Share Certificate
0.80%	$2,500	-	18 Month Share Certificate
0.75%	$2,500	-	12 Month Share Certificate
0.65%	$2,500	-	9 Month Share Certificate
0.55%	$2,500	-	6 Month Share Certificate
0.24%	$2,500	-	3 Month Share Certificate

Rates updated: 5/26/2012

Data for Q4 2011

Institution Statistics

M.P.D. COMMUNITY
NCUA #	67979
BankRate Report	View
Year Chartered	1966
Employees	10
Primary Regulator
Assets and Liabilities
Assets	$23.36 million
Loans	$17.19 million
Deposits	$21.50 million
Equity Capital	$1.75 million
Loan Loss Allowance	$80,000
Unbacked Noncurrent Loans	$44,000
Historic Data - December 2010
Assets	$21.86 million
Equity Capital	$1.64 million
Loan Loss Allowance	$103,000
Unbacked Noncurrent Loans	$40,000
Profit Margin - Quarterly
Net Interest Margin	5.78%
Return on Assets	0.45%
Return on Equity	6%
Interest Income	$1.22 million
Non-Interest Income	$403,000

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 M.P.D. Community Credit Union had $44,000 in non-current loans and owned real-estate with $1.83 million in equity and loan loss allowances on hand to cover it. This gives M.P.D. Community Credit Union a Texas Ratio of 2.40% 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 M.P.D. Community Credit Union held steady from 2.29% as of December 31, 2010 to 2.40% as of December 31, 2011, resulting in a negative change of 4.95%. This indicates that the balance sheet and financial strength for M.P.D. Community Credit Union has held steady in recent periods.
Deposit Growth
In the past year, M.P.D. Community Credit Union has increased its total deposits by $1.36 million, resulting in 6.76% 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.
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. M.P.D. Community Credit Union has $23.36 million in assets with $1.83 million in equity, resulting in a capitalization level of 7.83%, which is below average.