Rockford Postal Employees Credit Union

Rockford Postal Employees Credit Union is headquartered in Loves Park and is the 126^th largest credit union in the state of Illinois. It is also the 3,831^st largest credit union in the nation. It was established in 1927 and as of December of 2011, it had grown to 4 employees and 2,441 members. Rockford Postal Employees Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

Rockford Postal Employees Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics ROCKFORD POSTAL EMPLOYEES NCUA # 64948 BankRate Report View Year Chartered 1927 Employees 4 Primary Regulator Assets and Liabilities Assets $16.74 million Loans $6.87 million Deposits $14.34 million Equity Capital $2.37 million Loan Loss Allowance $69,000 Historic Data - December 2010 Assets $16.97 million Equity Capital $2.36 million Loan Loss Allowance $59,000 Profit Margin - Quarterly Net Interest Margin 6.7% Return on Assets 0.1% Return on Equity 0.72% Interest Income $632,000 Non-Interest Income $47,000

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 Rockford Postal Employees Credit Union had $0 in non-current loans and owned real-estate with $2.44 million in equity and loan loss allowances on hand to cover it. This gives Rockford Postal Employees Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Rockford Postal Employees Credit Union has decreased its total deposits by $-255,000, resulting in -1.75% 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 Rockford Postal Employees Credit Union has shown is below 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. Rockford Postal Employees Credit Union has $16.74 million in assets with $2.44 million in equity, resulting in a capitalization level of 14.59%, which is excellent.

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