Postal & Community Credit Union

Postal & Community Credit Union is headquartered in Saint Joseph and is the 45^th largest credit union in the state of Missouri. It is also the 2,627^th largest credit union in the nation. It was established in 1922 and as of December of 2011, it had grown to 17 employees and 9,971 members. Postal & Community Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics POSTAL & COMMUNITY NCUA # 64145 BankRate Report View Year Chartered 1922 Employees 17 Primary Regulator Assets and Liabilities Assets $37.14 million Loans $21.00 million Deposits $33.71 million Equity Capital $3.40 million Loan Loss Allowance $161,000 Unbacked Noncurrent Loans $233,000 Historic Data - December 2010 Assets $40.17 million Equity Capital $3.42 million Loan Loss Allowance $217,000 Unbacked Noncurrent Loans $249,000 Profit Margin - Quarterly Net Interest Margin 4.67% Return on Assets -0.05% Return on Equity -0.56% Interest Income $1.23 million Non-Interest Income $677,000

Institution Health Overall Score: 4 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 Postal & Community Credit Union had $233,000 in non-current loans and owned real-estate with $3.56 million in equity and loan loss allowances on hand to cover it. This gives Postal & Community Credit Union a Texas Ratio of 6.55% 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 Postal & Community Credit Union held steady from 6.85% as of December 31, 2010 to 6.55% as of December 31, 2011, resulting in a positive change of 4.40%.This indicates that the balance sheet and financial strength for Postal & Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Postal & Community Credit Union has decreased its total deposits by -$2.97 million, resulting in -8.1% 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 Postal & Community Credit Union has shown is poor. 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. Postal & Community Credit Union has $37.14 million in assets with $3.56 million in equity, resulting in a capitalization level of 9.58%, which is average.

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