Post Office Cu Of Md, Inc.

Post Office Cu Of Md, Inc. is headquartered in Baltimore and is the 53^rd largest credit union in the state of Maryland. It is also the 2,801^st largest credit union in the nation. It was established in 1900 and as of December of 2011, it had grown to 5 employees and 3,825 members. Post Office Cu Of Md, Inc.'s savings rates are 3X the national average, and it boasts a 5-star health rating.

Post Office Cu Of Md, Inc. Savings Account Rates

Post Office Cu Of Md, Inc. Money Market Rates

Post Office Cu Of Md, Inc. CD Rates

Data for Q4 2011

Institution Statistics POST OFFICE CU OF MD, INC. NCUA # 95742 BankRate Report View Year Chartered 1900 Employees 5 Primary Regulator Assets and Liabilities Assets $32.70 million Loans $2.50 million Deposits $23.59 million Equity Capital $9.08 million Loan Loss Allowance $117,000 Unbacked Noncurrent Loans $8,000 Historic Data - December 2010 Assets $32.93 million Equity Capital $8.62 million Loan Loss Allowance $92,000 Unbacked Noncurrent Loans $8,000 Profit Margin - Quarterly Net Interest Margin 7.53% Return on Assets 0.07% Return on Equity 0.26% Interest Income $943,000 Non-Interest Income $127,000

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 Post Office Cu Of Md, Inc. had $8,000 in non-current loans and owned real-estate with $9.2 million in equity and loan loss allowances on hand to cover it. This gives Post Office Cu Of Md, Inc. a Texas Ratio of 0.09% 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 Office Cu Of Md, Inc. held steady from 0.09% as of December 31, 2010 to 0.09% as of December 31, 2011, resulting in a positive change of 5.30%.This indicates that the balance sheet and financial strength for Post Office Cu Of Md, Inc. has held steady in recent periods. Deposit Growth In the past year, Post Office Cu Of Md, Inc. has decreased its total deposits by $-696,000, resulting in -2.87% 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 Office Cu Of Md, Inc. 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 Office Cu Of Md, Inc. has $32.7 million in assets with $9.2 million in equity, resulting in a capitalization level of 28.13%, which is excellent.

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