NASA Federal Credit Union

500 Prince George's Blvd.
Upper Marlboro, MD 20774
1-888-627-2328
www.nasafcu.com
 

Related Blog Posts

2.20% 18-Month CD at NASA Federal Credit Union - Easy Membership - 10/4/2009

NASA Federal Credit Union came out with another certificate promotion for the new month. Unfortunately, the rates are lower than September's promotion. However, there's still one competitive CD rate. It's the 18-month CD which has a rate of 2.20% APY....

3.50% 55-Month CD & 2.25% 18-Month CD at NASA Federal Credit Union - Easy Membership - 9/1/2009

NASA Federal Credit Union has a September certificate special with some competitive short and long-term rates. The following are the rates as listed in the credit union's promo page as of 9/01/09:3.50% APY 55-months2.25% APY 18-months1.65% APY...

4.00% 50-Month CD at NASA Federal Credit Union - Easy Membership - 7/1/2009

NASA Federal Credit Union introduced a July certificate special with a very competitive long-term certificate. It has a rate of 4.00% APY and a term of 50 months. The shorter term specials are not quite as competitive: 2.00% APY 18-months and 2.50% APY...

3.50% 18-Month CD at NASA Federal Credit Union - Easy Membership - 2/2/2009

NASA Federal Credit Union has come out with a February certificate special. It offers a 3.50% APY 18-month certificate. This requires that you have a NASA Federal checking account with a direct deposit of at least $500. Without the direct deposit, the...

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

Checking Accounts

ApyMinMaxProduct
0.07%--VIPS Checking

Savings Accounts

ApyMinMaxProduct
1.20%$100k-Health Savings Services
0.25%--IRA Savings
0.15%--Prime Savings
0.15%--Holiday Club
0.15%--Sub-Savings

Money Market Accounts

ApyMinMaxProduct
0.60%$100k-Premier Advantage Money Market
0.40%$40k-Premier Plus Money Market
0.35%$10k-Premier Money Market
0.15%--Education Savings

Certificates of Deposit

ApyMinMaxProduct
2.70%$1k-55 Month CD
2.45%$1k-60 Month CD
1.95%$1k-48 Month CD
1.60%$1k-36 Month CD
1.50%$1k-36 Month Bump Rate CD
1.05%$1k-24 Month CD
0.95%$1k-24 Month Bump Rate CD
0.85%$1k-9 Month CD
0.75%$1k-Early Savers 12 Month CD
0.75%$2k-12 Month Health Savings Certificate
0.60%$1k-12 Month CD
0.60%$2k-6 Month Health Savings Certificate
0.45%$1k-6 Month CD
0.45%$1k-Add-On 12 Month CD

IRA Accounts

ApyMinMaxProduct
2.70%$1k-55 Month IRA
2.70%$1k-55 Month Roth IRA
2.70%$1k-55 Month SEP IRA
2.70%$1k-55 Month ESA
2.45%$1k-60 Month IRA
2.45%$1k-60 Month Roth IRA
2.45%$1k-60 Month SEP IRA
2.45%$1k-60 Month ESA
1.95%$1k-48 Month IRA
1.95%$1k-48 Month Roth IRA
1.95%$1k-48 Month SEP IRA
1.95%$1k-48 Month ESA
1.60%$1k-36 Month IRA
1.60%$1k-36 Month Roth IRA
1.60%$1k-36 Month SEP IRA
1.60%$1k-36 Month ESA
1.50%$1k-36 Month Bump Rate IRA
1.50%$1k-36 Month Bump Rate Roth IRA
1.50%$1k-36 Month Bump Rate SEP IRA
1.50%$1k-36 Month Bump Rate ESA
1.10%$10k-18 Month IRA Special
1.05%$1k-24 Month IRA
1.05%$1k-24 Month Roth IRA
1.05%$1k-24 Month SEP IRA
1.05%$1k-24 Month ESA
0.95%$1k-24 Month Bump Rate IRA
0.95%$1k-24 Month Bump Rate Roth IRA
0.95%$1k-24 Month Bump Rate SEP IRA
0.95%$1k-24 Month Bump Rate ESA
0.85%$1k-9 Month IRA
0.85%$1k-9 Month Roth IRA
0.85%$1k-9 Month SEP IRA
0.85%$1k-9 Month ESA
0.75%$1k-Early Savers 12 Month IRA
0.75%$1k-Early Savers 12 Month Roth IRA
0.75%$1k-Early Savers 12 Month SEP IRA
0.75%$1k-Early Savers 12 Month ESA
0.60%$1k-12 Month IRA
0.60%$1k-12 Month Roth IRA
0.60%$1k-12 Month SEP IRA
0.60%$1k-12 Month ESA
0.45%$1k-6 Month IRA
0.45%$1k-Add-On 12 Month IRA
0.45%$1k-6 Month Roth IRA
0.45%$1k-Add-On 12 Month Roth IRA
0.45%$1k-6 Month SEP IRA
0.45%$1k-Add-On 12 Month SEP IRA
0.45%$1k-6 Month ESA
0.45%$1k-Add-On 12 Month ESA

Institution Statistics


NCUA #6328
BankRate ReportView
Year Established1949
Employees253
Primary Regulator

Assets and Liabilities

Assets$1.10 billion
Loans$699.13 million
Deposits$972.33 million
Equity Capital$103.53 million
Loan Loss Allowance$9.31 million
Unbacked Noncurrent Loans$9.95 million
Real Estate Owned$552,000

Historic Data - March 2009

Assets$1.02 billion
Equity Capital$98.15 million
Loan Loss Allowance$6.08 million
Unbacked Noncurrent Loans$7.48 million

Profit Margin - Quarterly

Net Interest Margin1.21%
Return on Assets1.35%
Return on Equity14.32%
Interest Income$12.36 million
Non-Interest Income$2.47 million

Institution Health


Overall Score:
4 out of 5
4
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 March 1, 2010 NASA Federal Credit Union had $10.5 million in non-current loans and owned real-estate with $112.84 million in equity and loan loss allowances on hand to cover it. This gives NASA Federal Credit Union a Texas Ratio of 9.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for NASA Federal Credit Union increased slightly from 7.17% as of March 1, 2009 to 9.31% as of March 1, 2010, resulting in a negative change of 29.75%. This indicates that the balance sheet and financial strength for NASA Federal Credit Union has declined slightly in recent periods.
Deposit Growth4
In the past year, NASA Federal Credit Union has increased it's total deposits by $77.44 million, resulting in 8.65% 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 NASA Federal Credit Union has shown is above average.
Capitalization2
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. NASA Federal Credit Union has $1.1 billion in assets with $112.84 million in equity, resulting in a capitalization level of 10.25%, which is below average.
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