Muncie Post Office Credit Union

Muncie Post Office Credit Union is headquartered in MUNCIE and is the 179^th largest credit union in the state of Indiana. It is also the 6,682^nd largest credit union in the nation. It was established in 1928 and as of December of 2011, it had grown to employees and 301 members. Muncie Post Office Credit Union has a 4-star health rating.

Muncie Post Office Credit Union Routing Number: 274975408

Data for Q4 2011

Institution Statistics MUNCIE POST OFFICE NCUA # 82785 BankRate Report View Year Chartered 1928 Employees 0 Primary Regulator Assets and Liabilities Assets $1.05 million Loans $728,000 Deposits $887,000 Equity Capital $164,000 Loan Loss Allowance $33,000 Unbacked Noncurrent Loans $24,000 Historic Data - December 2010 Assets $1.08 million Equity Capital $157,000 Loan Loss Allowance $18,000 Unbacked Noncurrent Loans $13,000 Profit Margin - Quarterly Net Interest Margin 10.16% Return on Assets 0.57% Return on Equity 3.66% Interest Income $95,000

Institution Health Overall Score: 4 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 Muncie Post Office Credit Union had $24,000 in non-current loans and owned real-estate with $197,000 in equity and loan loss allowances on hand to cover it. This gives Muncie Post Office Credit Union a Texas Ratio of 12.18% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Muncie Post Office Credit Union held steady from 7.43% as of December 31, 2010 to 12.18% as of December 31, 2011, resulting in a negative change of 64.00%. This indicates that the balance sheet and financial strength for Muncie Post Office Credit Union has held steady in recent periods. Deposit Growth In the past year, Muncie Post Office Credit Union has decreased its total deposits by $-35,000, resulting in -3.8% 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 Muncie Post Office Credit Union has shown is below 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. Muncie Post Office Credit Union has $1.05 million in assets with $197,000 in equity, resulting in a capitalization level of 18.74%, which is excellent.

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