U S Postal Service Credit Union is headquartered in Clinton and is the 25th largest credit union in the state of Maryland. It is also the 904th largest credit union in the nation. It was established in 1934 and as of September of 2013, it had grown to 55 employees and 22,187 members. U S Postal Service Credit Union's CD rates are 2X the national average, and it has a B+ health rating.
Must be an employee or retiree of the United States Postal Service or several select employee groups. - See Details
No reviews have been left for this bank yet. Be the first to review.
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 September 30, 2013 U S Postal Service Credit Union had $3.74 million in non-current loans and owned real-estate with $24.74 million in equity and loan loss allowances on hand to cover it. This gives U S Postal Service Credit Union a Texas Ratio of 15.11% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for U S Postal Service Credit Union decreased slightly from 18.41% as of September 30, 2012 to 15.11% as of September 30, 2013, resulting in a positive change of 17.90%.This indicates that the balance sheet and financial strength for U S Postal Service Credit Union has improved slightly in recent periods.
In the past year, U S Postal Service Credit Union has decreased its total deposits by -$1.08 million, resulting in -0.6% 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 U S Postal Service Credit Union has shown is average.
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. U S Postal Service Credit Union has $202.49 million in assets with $24.74 million in equity, resulting in a capitalization level of 12.22%, which is excellent.
|Assets and Liabilities|
|Equity Capital||$20.53 million|
|Loan Loss Allowance||$4.21 million|
|Unbacked Noncurrent Loans||$3.74 million|
|Real Estate Owned||$0|
|Historic Data - September 2012|
|Equity Capital||$21.27 million|
|Loan Loss Allowance||$4.41 million|
|Unbacked Noncurrent Loans||$3.74 million|
|Real Estate Owned||$131,000|
|Profit Margin - Quarterly|
|Net Interest Margin||4.31%|
|Return on Assets||0.44%|
|Return on Equity||4.38%|
|Interest Income||$5.56 million|
Always verify rates and promotions with the bank or credit union. We are not U S Postal Service Credit Union, we are a rate comparison website and can not provide official rates or promotions.
|1.00%||-||-||Regular IRA Savings|
|1.00%||-||-||Education IRA Savings|
|1.00%||-||-||Roth IRA Savings|
|0.15%||$10k||-||Regular Share Savings|
|0.15%||$10k||-||Special Club Account|
|0.25%||$75k||-||Money Market Savings Account|
|0.15%||$2k||-||Money Market Checking Account|
|3.00%||-||$1k||36 Month Young Savers CD|
|1.99%||-||$1k||12 Month Starter CD|
|1.25%||$250||-||60 Month CD|
|1.00%||$5k||-||12 Month Young Savers CD|
|0.65%||$10k||-||24 Month MISCA|
|0.55%||$250||-||24 Month CD|
|0.30%||$250||-||12 Month CD|
|0.25%||$5k||-||26 Week Money Market Certificate|
|0.20%||$250||-||6 Month CD|
|1.99%||-||$1k||12 Month Starter Roth IRA|
|1.99%||-||$1k||12 Month Starter Traditional IRA|
|1.99%||-||$1k||12 Month Starter Education IRA|
|1.50%||$250||-||60 Month Traditional IRA|
|1.50%||$250||-||60 Month Roth IRA|
|1.50%||$250||-||60 Month Education IRA|
|0.75%||$250||-||24 Month Traditional IRA|
|0.75%||$250||-||24 Month Roth IRA|
|0.75%||$250||-||24 Month Education IRA|
|0.45%||$250||-||12 Month Traditional IRA|
|0.45%||$250||-||12 Month Roth IRA|
|0.45%||$250||-||12 Month Education IRA|
|U S Postal Service Credit Union Locations|
|Branch Office||10919 Sepulveda Blvd||Mission Hills, CA 91346|
|Branch Office||1001 California Ave||Pittsburgh, PA 15290|
|Branch Office||7905 Malcolm Rd Ste 311||Clinton, MD 20735-1730|
|Branch Office||9201 Edgeworth Dr||Capitol Heights, MD 20790|
|Branch Office||457 Lenfant Plz SW||Washington, DC 20024-2111|
|Branch Office||1 Floretta Pl||Raleigh, NC 27676-9803|