Pacific Postal Credit Union

Pacific Postal Credit Union is headquartered in SAN JOSE and is the 111^st largest credit union in the state of California. It is also the 898^th largest credit union in the nation. It was established in 1931 and as of December of 2011, it had grown to 24 employees and 14,618 members. Pacific Postal Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Pacific Postal Credit Union Routing Number: 321176914

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Data for Q4 2011

Institution Statistics PACIFIC POSTAL NCUA # 64835 BankRate Report View Year Chartered 1931 Employees 24 Primary Regulator Assets and Liabilities Assets $188.00 million Loans $55.02 million Deposits $163.40 million Equity Capital $23.54 million Loan Loss Allowance $1.15 million Unbacked Noncurrent Loans $160,000 Historic Data - December 2010 Assets $189.41 million Equity Capital $23.08 million Loan Loss Allowance $827,000 Unbacked Noncurrent Loans $632,000 Profit Margin - Quarterly Net Interest Margin 5.22% Return on Assets 0.65% Return on Equity 5.19% Interest Income $6.24 million Non-Interest Income $943,000

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 Pacific Postal Credit Union had $160,000 in non-current loans and owned real-estate with $24.69 million in equity and loan loss allowances on hand to cover it. This gives Pacific Postal Credit Union a Texas Ratio of 0.65% 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 Pacific Postal Credit Union decreased significantly from 2.64% as of December 31, 2010 to 0.65% as of December 31, 2011, resulting in a positive change of 75.49%.This indicates that the balance sheet and financial strength for Pacific Postal Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Pacific Postal Credit Union has decreased its total deposits by -$1.76 million, resulting in -1.06% 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 Pacific Postal 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. Pacific Postal Credit Union has $188 million in assets with $24.69 million in equity, resulting in a capitalization level of 13.13%, which is excellent.

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