The Richmond Postal Credit Union In

The Richmond Postal Credit Union In is headquartered in Richmond and is the 46^th largest credit union in the state of Virginia. It is also the 1,610^st largest credit union in the nation. It was established in 1923 and as of December of 2011, it had grown to 19 employees and 9,401 members. The Richmond Postal Credit Union In's CD rates are 22% higher than the national average, and it has a 3-star health rating.

The Richmond Postal Credit Union In Savings Account Rates

The Richmond Postal Credit Union In CD Rates

The Richmond Postal Credit Union In IRA Rates

Data for Q4 2011

Institution Statistics THE RICHMOND POSTAL CREDIT UNION IN NCUA # 66929 BankRate Report View Year Chartered 1923 Employees 19 Primary Regulator Assets and Liabilities Assets $83.18 million Loans $49.94 million Deposits $72.20 million Equity Capital $10.28 million Loan Loss Allowance $625,000 Unbacked Noncurrent Loans $2.89 million Real Estate Owned $130,000 Historic Data - December 2010 Assets $83.18 million Equity Capital $10.25 million Loan Loss Allowance $329,000 Unbacked Noncurrent Loans $2.00 million Real Estate Owned $130,000 Profit Margin - Quarterly Net Interest Margin 5.73% Return on Assets 0.08% Return on Equity 0.68% Interest Income $4.18 million Non-Interest Income $980,000

Institution Health Overall Score: 3 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 The Richmond Postal Credit Union In had $3.02 million in non-current loans and owned real-estate with $10.91 million in equity and loan loss allowances on hand to cover it. This gives The Richmond Postal Credit Union In a Texas Ratio of 27.71% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Richmond Postal Credit Union In increased slightly from 20.13% as of December 31, 2010 to 27.71% as of December 31, 2011, resulting in a negative change of 37.67%. This indicates that the balance sheet and financial strength for The Richmond Postal Credit Union In has declined slightly in recent periods. Deposit Growth In the past year, The Richmond Postal Credit Union In has decreased its total deposits by $-251,000, resulting in -0.35% 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 The Richmond Postal Credit Union In 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. The Richmond Postal Credit Union In has $83.18 million in assets with $10.91 million in equity, resulting in a capitalization level of 13.11%, which is excellent.

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