Postal Family Credit Union, Inc.

Postal Family Credit Union, Inc. is headquartered in CINCINNATI and is the 87^th largest credit union in the state of Ohio. It is also the 2,038^th largest credit union in the nation. It was established in 1932 and as of December of 2011, it had grown to 13 employees and 8,978 members. Postal Family Credit Union, Inc.'s CD rates are 34% higher than the national average, and it boasts a 5-star health rating.

Postal Family Credit Union, Inc. Routing Number: 242076669

Postal Family Credit Union, Inc. Checking Account Rates

Postal Family Credit Union, Inc. Savings Account Rates

Postal Family Credit Union, Inc. CD Rates

Postal Family Credit Union, Inc. IRA Rates

Data for Q4 2011

Institution Statistics POSTAL FAMILY CREDIT UNION, INC. NCUA # 97079 BankRate Report View Year Chartered 1932 Employees 13 Primary Regulator Assets and Liabilities Assets $58.47 million Loans $28.19 million Deposits $50.87 million Equity Capital $7.30 million Loan Loss Allowance $584,000 Unbacked Noncurrent Loans $372,000 Real Estate Owned $222,000 Historic Data - December 2010 Assets $57.09 million Equity Capital $7.20 million Loan Loss Allowance $538,000 Unbacked Noncurrent Loans $202,000 Real Estate Owned $229,000 Profit Margin - Quarterly Net Interest Margin 6.06% Return on Assets 0.17% Return on Equity 1.38% Interest Income $1.99 million Non-Interest Income $633,000

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 Postal Family Credit Union, Inc. had $594,000 in non-current loans and owned real-estate with $7.89 million in equity and loan loss allowances on hand to cover it. This gives Postal Family Credit Union, Inc. a Texas Ratio of 7.53% 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 Family Credit Union, Inc. held steady from 5.57% as of December 31, 2010 to 7.53% as of December 31, 2011, resulting in a negative change of 35.25%. This indicates that the balance sheet and financial strength for Postal Family Credit Union, Inc. has held steady in recent periods. Deposit Growth In the past year, Postal Family Credit Union, Inc. has increased its total deposits by $1.23 million, resulting in 2.47% 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 Family Credit Union, Inc. has shown is above 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 Family Credit Union, Inc. has $58.47 million in assets with $7.89 million in equity, resulting in a capitalization level of 13.49%, which is excellent.

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