Post Community Credit Union

Post Community Credit Union is headquartered in Battle Creek and is the 108^th largest credit union in the state of Michigan. It is also the 1,651^st largest credit union in the nation. It was established in 1936 and as of March of 2013, it had grown to 19 employees and 8,076 members. Post Community Credit Union has a 5-star health rating.

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Data for Q1 2013

Institution Statistics POST COMMUNITY NCUA # 62155 BankRate Report View Year Chartered 1936 Employees 19 Primary Regulator Assets and Liabilities Assets $86.50 million Loans $28.03 million Deposits $76.39 million Equity Capital $9.59 million Loan Loss Allowance $362,000 Unbacked Noncurrent Loans $242,000 Real Estate Owned $34,000 Historic Data - March 2012 Assets $89.15 million Equity Capital $9.80 million Loan Loss Allowance $451,000 Unbacked Noncurrent Loans $212,000 Real Estate Owned $312,000 Profit Margin - Quarterly Net Interest Margin 1.45% Return on Assets -0.16% Return on Equity -1.42% Interest Income $525,000 Non-Interest Income $118,000

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 March 31, 2013 Post Community Credit Union had $276,000 in non-current loans and owned real-estate with $9.95 million in equity and loan loss allowances on hand to cover it. This gives Post Community Credit Union a Texas Ratio of 2.77% 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 Post Community Credit Union decreased significantly from 5.11% as of March 31, 2012 to 2.77% as of March 31, 2013, resulting in a positive change of 45.74%.This indicates that the balance sheet and financial strength for Post Community Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Post Community Credit Union has decreased its total deposits by -$2.58 million, resulting in -3.26% 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 Post Community 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. Post Community Credit Union has $86.5 million in assets with $9.95 million in equity, resulting in a capitalization level of 11.51%, which is above average.

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