Institution Statistics
| CAMDEN POLICE | | NCUA # | 6015 | | BankRate Report | View | | Year Chartered | 1949 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $1.75 million | | Loans | $213,000 | | Deposits | $1.63 million | | Equity Capital | $124,000 | | Loan Loss Allowance | $16,000 | | Unbacked Noncurrent Loans | $14,000 |
Historic Data - December 2010 | | Assets | $1.95 million | | Equity Capital | $168,000 | | Loan Loss Allowance | $21,000 |
Profit Margin - Quarterly | | Net Interest Margin | 13.53% | | Return on Assets | -2.17% | | Return on Equity | -30.65% | | Interest Income | $47,000 | | Non-Interest Income | $1,000 |
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Institution Health
Overall Score:
3 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 Camden Police Credit Union had $14,000 in non-current loans and owned real-estate with $140,000 in equity and loan loss allowances on hand to cover it. This gives Camden Police Credit Union a Texas Ratio of 10.00% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Camden Police Credit Union has decreased its total deposits by $-128,000, resulting in -7.29% 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 Camden Police Credit Union has shown is poor. | | 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. Camden Police Credit Union has $1.75 million in assets with $140,000 in equity, resulting in a capitalization level of 7.98%, which is below average. |
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