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Overview / Commentary
269-966-3900
240 Cliff St
Battle Creek, MI 49014-5074

Post Community Credit Union is headquartered in Battle Creek and is the 110st largest credit union in the state of Michigan. It is also the 1,645th largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 22 employees and 8,947 members. Post Community Credit Union has a A health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Calhoun, Barry or Branch County. - See Details

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Health

Data for Q1 2014

Institution Health

A
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Post Community Credit Union has a relatively low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Post Community Credit Union had $229,000 in non-current loans and owned real-estate with $9.33 million in equity and loan loss allowances on hand to cover it. This gives Post Community Credit Union a Texas Ratio of 2.45% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Post Community Credit Union decreased slightly from 2.77% as of March 31, 2013 to 2.45% as of March 31, 2014, resulting in a positive change of 11.47%.This indicates that the balance sheet and financial strength for Post Community Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, Post Community Credit Union has increased its total deposits by $2.46 million, resulting in 3.21% 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 excellent.

Capitalization

GRADE:
B+

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 $88.15 million in assets with $9.33 million in equity, resulting in a capitalization level of 10.58%, which is above average.

Institution Statistics

Overall
NCUA #62155
Year Chartered1936
Employees22
Primary Regulator
Assets and Liabilities
Assets$88.15 million
Loans$40.41 million
Deposits$78.85 million
Equity Capital$9.00 million
Loan Loss Allowance$327,000
Unbacked Noncurrent Loans$202,000
Real Estate Owned$27,000
Historic Data - March 2013
Assets$86.50 million
Equity Capital$9.59 million
Loan Loss Allowance$362,000
Unbacked Noncurrent Loans$202,000
Real Estate Owned$34,000
Profit Margin - Quarterly
Net Interest Margin1.24%
Return on Assets0.37%
Return on Equity3.64%
Interest Income$626,000
Rates

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Post Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.50%--Individual Retirement Account
0.10%--Savings Account
0.10%--Christmas Club
0.10%--Vacation Club Account

Post Community Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$200k-Money Matket Account

Post Community Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Checking Account

Post Community Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.55%$1k$100k60 Month CD
1.35%$1k$100k48 Month CD
1.15%$1k$100k36 Month CD
0.70%$1k$100k24 Month CD
0.35%$1k$100k12 Month CD
0.35%$1k$100k18 Month CD
0.20%$1k$100k6 Month CD
Locations


Post Community Credit Union Locations
Branch Office1671 Michigan Ave WBattle Creek, MI 490371919
Branch Office477 Michigan Ave WBattle Creek, MI 490372232
Branch Office240 Cliff StBattle Creek, MI 490145074
Branch Office2340 E Centre AvePortage, MI 49002-4465