Tampa Postal Credit Union

Tampa Postal Credit Union is headquartered in Tampa and is the 76^th largest credit union in the state of Florida. It is also the 2,033^rd largest credit union in the nation. It was established in 1941 and as of December of 2011, it had grown to 21 employees and 7,498 members. Tampa Postal Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics TAMPA POSTAL NCUA # 4395 BankRate Report View Year Chartered 1941 Employees 21 Primary Regulator Assets and Liabilities Assets $58.61 million Loans $21.74 million Deposits $48.76 million Equity Capital $9.36 million Loan Loss Allowance $920,000 Unbacked Noncurrent Loans $342,000 Real Estate Owned $130,000 Historic Data - December 2010 Assets $56.60 million Equity Capital $9.16 million Loan Loss Allowance $1.29 million Unbacked Noncurrent Loans $1.05 million Real Estate Owned $38,000 Profit Margin - Quarterly Net Interest Margin 6.51% Return on Assets 0.23% Return on Equity 1.43% Interest Income $2.21 million Non-Interest Income $624,000

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 Tampa Postal Credit Union had $472,000 in non-current loans and owned real-estate with $10.28 million in equity and loan loss allowances on hand to cover it. This gives Tampa Postal Credit Union a Texas Ratio of 4.59% 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 Tampa Postal Credit Union decreased significantly from 10.40% as of December 31, 2010 to 4.59% as of December 31, 2011, resulting in a positive change of 55.84%.This indicates that the balance sheet and financial strength for Tampa Postal Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Tampa Postal Credit Union has increased its total deposits by $1.63 million, resulting in 3.46% 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 Tampa Postal Credit Union 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. Tampa Postal Credit Union has $58.61 million in assets with $10.28 million in equity, resulting in a capitalization level of 17.54%, which is excellent.

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