U S Postal Service Credit Union

U S Postal Service Credit Union is headquartered in Clinton and is the 26^th largest credit union in the state of Maryland. It is also the 860^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 61 employees and 22,795 members. U S Postal Service Credit Union's CD rates are 3X the national average, and it has a 4-star health rating.

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U S Postal Service Credit Union CD Rates

U S Postal Service Credit Union IRA Rates

Data for Q4 2011

Institution Statistics U S POSTAL SERVICE NCUA # 16402 BankRate Report View Year Chartered 1934 Employees 61 Primary Regulator Assets and Liabilities Assets $199.77 million Loans $114.98 million Deposits $177.83 million Equity Capital $20.83 million Loan Loss Allowance $3.77 million Unbacked Noncurrent Loans $3.78 million Real Estate Owned $192,000 Historic Data - December 2010 Assets $205.38 million Equity Capital $22.57 million Loan Loss Allowance $2.58 million Unbacked Noncurrent Loans $5.92 million Real Estate Owned $96,000 Profit Margin - Quarterly Net Interest Margin 6.27% Return on Assets -0.96% Return on Equity -9.23% Interest Income $9.06 million Non-Interest Income $3.20 million

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 U S Postal Service Credit Union had $3.97 million in non-current loans and owned real-estate with $24.6 million in equity and loan loss allowances on hand to cover it. This gives U S Postal Service Credit Union a Texas Ratio of 16.14% 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 U S Postal Service Credit Union decreased slightly from 23.93% as of December 31, 2010 to 16.14% as of December 31, 2011, resulting in a positive change of 32.53%.This indicates that the balance sheet and financial strength for U S Postal Service Credit Union has improved slightly in recent periods. Deposit Growth In the past year, U S Postal Service Credit Union has decreased its total deposits by -$3.66 million, resulting in -2.02% 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 below 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. U S Postal Service Credit Union has $199.77 million in assets with $24.6 million in equity, resulting in a capitalization level of 12.31%, which is excellent.

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