Birmingham Police Credit Union

Birmingham Police Credit Union is headquartered in Birmingham and is the 99^th largest credit union in the state of Alabama. It is also the 5,435^th largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 3 employees and 1,699 members. Birmingham Police Credit Union's savings rates are 4X the national average, and it has a 4-star health rating.

Birmingham Police Credit Union Routing Number: 262073260

Birmingham Police Credit Union Savings Account Rates

Birmingham Police Credit Union CD Rates

Birmingham Police Credit Union IRA Rates

Data for Q4 2011

Institution Statistics BIRMINGHAM POLICE NCUA # 64603 BankRate Report View Year Chartered 1939 Employees 3 Primary Regulator Assets and Liabilities Assets $5.40 million Loans $4.40 million Deposits $4.75 million Equity Capital $589,000 Loan Loss Allowance $31,000 Unbacked Noncurrent Loans $164,000 Historic Data - December 2010 Assets $4.05 million Equity Capital $432,000 Loan Loss Allowance $25,000 Unbacked Noncurrent Loans $37,000 Profit Margin - Quarterly Net Interest Margin 7.74% Return on Assets 2.89% Return on Equity 26.49% Interest Income $414,000 Non-Interest Income $80,000

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 Birmingham Police Credit Union had $164,000 in non-current loans and owned real-estate with $620,000 in equity and loan loss allowances on hand to cover it. This gives Birmingham Police Credit Union a Texas Ratio of 26.45% 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 Birmingham Police Credit Union increased slightly from 8.10% as of December 31, 2010 to 26.45% as of December 31, 2011, resulting in a negative change of 226.71%. This indicates that the balance sheet and financial strength for Birmingham Police Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Birmingham Police Credit Union has increased its total deposits by $1.17 million, resulting in 32.59% 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 Birmingham Police Credit Union has shown is excellent. 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. Birmingham Police Credit Union has $5.4 million in assets with $620,000 in equity, resulting in a capitalization level of 11.47%, which is above average.

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