Post Office Employees Credit Union

Post Office Employees Credit Union is headquartered in Shreveport and is the 45^th largest credit union in the state of Louisiana. It is also the 2,532^nd largest credit union in the nation. It was established in 1931 and as of December of 2011, it had grown to 12 employees and 5,063 members. Post Office Employees Credit Union's savings rates are 4X the national average, and it has a 3-star health rating.

Post Office Employees Credit Union Checking Account Rates

Post Office Employees Credit Union Savings Account Rates

Post Office Employees Credit Union CD Rates

Post Office Employees Credit Union IRA Rates

Data for Q4 2011

Institution Statistics POST OFFICE EMPLOYEES NCUA # 24712 BankRate Report View Year Chartered 1931 Employees 12 Primary Regulator Assets and Liabilities Assets $40.01 million Loans $19.90 million Deposits $36.12 million Equity Capital $3.59 million Loan Loss Allowance $100,000 Unbacked Noncurrent Loans $384,000 Real Estate Owned $466,000 Historic Data - December 2010 Assets $36.60 million Equity Capital $3.45 million Loan Loss Allowance $101,000 Unbacked Noncurrent Loans $195,000 Real Estate Owned $361,000 Profit Margin - Quarterly Net Interest Margin 6.02% Return on Assets 0.08% Return on Equity 0.86% Interest Income $1.80 million Non-Interest Income $243,000

Institution Health Overall Score: 3 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 Employees Credit Union had $850,000 in non-current loans and owned real-estate with $3.69 million in equity and loan loss allowances on hand to cover it. This gives Post Office Employees Credit Union a Texas Ratio of 23.05% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Post Office Employees Credit Union increased slightly from 15.65% as of December 31, 2010 to 23.05% as of December 31, 2011, resulting in a negative change of 47.24%. This indicates that the balance sheet and financial strength for Post Office Employees Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Post Office Employees Credit Union has increased its total deposits by $3.27 million, resulting in 9.96% 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 Employees Credit Union has shown is excellent. 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 Employees Credit Union has $40.01 million in assets with $3.69 million in equity, resulting in a capitalization level of 9.22%, which is average.

No reviews have been left for this bank yet. Be the first to review.