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Overview / Commentary
7905 Malcolm Road, Suite 311
Clinton, MD 20735

U S Postal Service Credit Union is headquartered in Clinton and is the 24th largest credit union in the state of Maryland. It is also the 921st largest credit union in the nation. It was established in 1934 and as of March of 2014, it had grown to 52 employees and 22,216 members. U S Postal Service Credit Union's CD rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be an employee or retiree of the United States Postal Service or several select employee groups. - See Details

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 U S Postal Service Credit Union had $3.32 million in non-current loans and owned real-estate with $25.28 million in equity and loan loss allowances on hand to cover it. This gives U S Postal Service Credit Union a Texas Ratio of 13.15% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for U S Postal Service Credit Union decreased slightly from 16.04% as of March 31, 2013 to 13.15% as of March 31, 2014, resulting in a positive change of 18.04%.This indicates that the balance sheet and financial strength for U S Postal Service Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
C+

In the past year, U S Postal Service Credit Union has decreased its total deposits by -$1.11 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.

Capitalization

GRADE:
A+

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 $204.82 million in assets with $25.28 million in equity, resulting in a capitalization level of 12.34%, which is excellent.

Institution Statistics

Overall
NCUA #16402
Year Chartered1934
Employees52
Primary Regulator
Assets and Liabilities
Assets$204.82 million
Loans$100.60 million
Deposits$182.88 million
Equity Capital$21.15 million
Loan Loss Allowance$4.12 million
Unbacked Noncurrent Loans$3.32 million
Real Estate Owned$0
Historic Data - March 2013
Assets$206.48 million
Equity Capital$21.45 million
Loan Loss Allowance$4.19 million
Unbacked Noncurrent Loans$3.32 million
Real Estate Owned$119,000
Profit Margin - Quarterly
Net Interest Margin1.39%
Return on Assets0.73%
Return on Equity7.05%
Interest Income$1.76 million
Rates

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.

U S Postal Service Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.00%--Regular IRA Savings
1.00%--Education IRA Savings
1.00%--Roth IRA Savings
0.15%$10k-Regular Share Savings
0.15%$10k-Trust Savings
0.15%$10k-Special Club Account

U S Postal Service Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$75k-Money Market Savings Account
0.15%$2k-Money Market Checking Account

U S Postal Service Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$250-Interest Checking

U S Postal Service Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
3.00%-$1k36 Month Young Savers CD
1.99%-$1k12 Month Starter CD
1.25%$250-60 Month CD
1.00%-$1k12 Months 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

U S Postal Service Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.99%-$1k12 Month Starter Traditional IRA
1.50%$250-60 Month Traditional IRA
0.75%$250-24 Month Traditional IRA
0.45%$250-12 Month Traditional IRA
Locations


U S Postal Service Credit Union Locations
Branch Office10919 Sepulveda BlvdMission Hills, CA 91346
Branch Office1001 California AvePittsburgh, PA 15290
Branch Office7905 Malcolm Rd Ste 311Clinton, MD 20735-1730
Branch Office9201 Edgeworth DrCapitol Heights, MD 20790
Branch Office457 Lenfant Plz SWWashington, DC 20024-2111
Branch Office1 Floretta PlRaleigh, NC 27676-9803