Postal Credit Union Of Fdl

Postal Credit Union Of Fdl is headquartered in Fond du Lac and is the 193^rd largest credit union in the state of Wisconsin. It is also the 6,758^th largest credit union in the nation. It was established in 1932 and as of December of 2011, it had grown to 1 employees and 304 members. Postal Credit Union Of Fdl has a 4-star health rating.

Data for Q4 2011

Institution Statistics POSTAL CREDIT UNION OF FDL NCUA # 66487 BankRate Report View Year Chartered 1932 Employees 1 Primary Regulator Assets and Liabilities Assets $891,000 Loans $692,000 Deposits $693,000 Equity Capital $198,000 Loan Loss Allowance $14,000 Unbacked Noncurrent Loans $62,000 Historic Data - December 2010 Assets $900,000 Equity Capital $213,000 Loan Loss Allowance $3,000 Unbacked Noncurrent Loans $59,000 Profit Margin - Quarterly Net Interest Margin 5.2% Return on Assets -1.57% Return on Equity -7.07% Interest Income $40,000

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 Credit Union Of Fdl had $62,000 in non-current loans and owned real-estate with $212,000 in equity and loan loss allowances on hand to cover it. This gives Postal Credit Union Of Fdl a Texas Ratio of 29.25% 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 Postal Credit Union Of Fdl held steady from 27.31% as of December 31, 2010 to 29.25% as of December 31, 2011, resulting in a negative change of 7.07%. This indicates that the balance sheet and financial strength for Postal Credit Union Of Fdl has held steady in recent periods. Deposit Growth In the past year, Postal Credit Union Of Fdl has increased its total deposits by $6,000, resulting in 0.87% 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 Postal Credit Union Of Fdl has shown is 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. Postal Credit Union Of Fdl has $891,000 in assets with $212,000 in equity, resulting in a capitalization level of 23.79%, which is excellent.

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