Institution Statistics
| POSTMARK CREDIT UNION | | NCUA # | 60018 | | BankRate Report | View | | Year Chartered | 1933 | | Employees | 8 | | Primary Regulator | |
Assets and Liabilities | | Assets | $29.68 million | | Loans | $9.76 million | | Deposits | $24.71 million | | Equity Capital | $4.70 million | | Loan Loss Allowance | $43,000 | | Unbacked Noncurrent Loans | $84,000 |
Historic Data - December 2010 | | Assets | $29.94 million | | Equity Capital | $4.83 million | | Loan Loss Allowance | $42,000 | | Unbacked Noncurrent Loans | $40,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.36% | | Return on Assets | -0.31% | | Return on Equity | -1.94% | | Interest Income | $870,000 | | Non-Interest Income | $197,000 |
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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 Postmark Credit Union had $84,000 in non-current loans and owned real-estate with $4.74 million in equity and loan loss allowances on hand to cover it. This gives Postmark Credit Union a Texas Ratio of 1.77% 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 Postmark Credit Union held steady from 0.82% as of December 31, 2010 to 1.77% as of December 31, 2011, resulting in a negative change of 116.03%. This indicates that the balance sheet and financial strength for Postmark Credit Union has held steady in recent periods. | | Deposit Growth | | | In the past year, Postmark Credit Union has decreased its total deposits by $-191,000, resulting in -0.77% 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 Postmark Credit Union 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. Postmark Credit Union has $29.68 million in assets with $4.74 million in equity, resulting in a capitalization level of 15.97%, which is excellent. |
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