Tulsa Postal & Community Credit Union

Tulsa Postal & Community Credit Union is headquartered in Tulsa and is the 40^th largest credit union in the state of Oklahoma. It is also the 3,251^st largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 10 employees and 3,713 members. Tulsa Postal & Community Credit Union's savings rates are 2X the national average, and it has a 4-star health rating.

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Tulsa Postal & Community Credit Union Savings Account Rates

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Tulsa Postal & Community Credit Union IRA Rates

Data for Q4 2011

Institution Statistics TULSA POSTAL & COMMUNITY NCUA # 9090 BankRate Report View Year Chartered 1953 Employees 10 Primary Regulator Assets and Liabilities Assets $24.33 million Loans $15.51 million Deposits $22.02 million Equity Capital $2.23 million Loan Loss Allowance $106,000 Unbacked Noncurrent Loans $86,000 Historic Data - December 2010 Assets $23.96 million Equity Capital $2.02 million Loan Loss Allowance $113,000 Unbacked Noncurrent Loans $96,000 Profit Margin - Quarterly Net Interest Margin 6.41% Return on Assets 0.87% Return on Equity 9.52% Interest Income $1.28 million Non-Interest Income $440,000

Institution Health Overall Score: 4 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 Tulsa Postal & Community Credit Union had $86,000 in non-current loans and owned real-estate with $2.33 million in equity and loan loss allowances on hand to cover it. This gives Tulsa Postal & Community Credit Union a Texas Ratio of 3.69% 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 Tulsa Postal & Community Credit Union decreased slightly from 4.51% as of December 31, 2010 to 3.69% as of December 31, 2011, resulting in a positive change of 18.29%.This indicates that the balance sheet and financial strength for Tulsa Postal & Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Tulsa Postal & Community Credit Union has increased its total deposits by $108,000, resulting in 0.49% 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 Tulsa Postal & Community 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. Tulsa Postal & Community Credit Union has $24.33 million in assets with $2.33 million in equity, resulting in a capitalization level of 9.59%, which is average.

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