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Overview / Commentary
2730 12TH AVE S
FARGO, ND 58103

Postal Family Credit Union is headquartered in FARGO and is the 26th largest credit union in the state of North Dakota. It is also the 3,524th largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 8 employees and 2,344 members. Postal Family Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be an employee or retiree of the United States Postal Service in North Dakota, South Dakota or Minnesota. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Postal Family Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Postal Family Credit Union had $115,000 in non-current loans and owned real-estate with $2.59 million in equity and loan loss allowances on hand to cover it. This gives Postal Family Credit Union a Texas Ratio of 4.43% 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 experienced no significant changes from 4.04% as of March 31, 2013 to 4.43% as of March 31, 2014, resulting in a negative change of 9.72%. This indicates that the balance sheet and financial strength for Postal Family Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Postal Family Credit Union has increased its total deposits by $438,000, resulting in 2.55% 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 has shown is above average.



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 has $20.21 million in assets with $2.59 million in equity, resulting in a capitalization level of 12.84%, which is excellent.

Institution Statistics

NCUA #951
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$20.21 million
Loans$8.63 million
Deposits$17.59 million
Equity Capital$2.52 million
Loan Loss Allowance$71,000
Unbacked Noncurrent Loans$115,000
Real Estate Owned$0
Historic Data - March 2013
Assets$19.73 million
Equity Capital$2.51 million
Loan Loss Allowance$68,000
Unbacked Noncurrent Loans$115,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.48%
Return on Assets-0.18%
Return on Equity-1.43%
Interest Income$171,000
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Postal Family Credit Union Savings Account Rates

0.10%$25-Regular Shares
0.10%--Christmas Club

Postal Family Credit Union Money Market Rates

0.45%$200k-Money Market

Postal Family Credit Union CD Rates

0.35%$1k-12 Month CD
0.20%$1k-6 Month CD

Postal Family Credit Union Locations
Branch Office2501 28TH AVE SGRAND FORKS, ND 58203
Branch Office657 2ND AVE N RM 360FARGO, ND 58102
Branch Office2730 12TH AVE SFARGO, ND 58103