City & Police Credit Union

City & Police Credit Union is headquartered in Jacksonville and is the 72^nd largest credit union in the state of Florida. It is also the 1,870^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 14 employees and 6,453 members. City & Police Credit Union has a 4-star health rating.

City & Police Credit Union Savings Account Rates

City & Police Credit Union CD Rates

Data for Q4 2011

Institution Statistics CITY & POLICE NCUA # 24479 BankRate Report View Year Chartered 1935 Employees 14 Primary Regulator Assets and Liabilities Assets $67.13 million Loans $31.96 million Deposits $61.81 million Equity Capital $5.25 million Loan Loss Allowance $943,000 Unbacked Noncurrent Loans $177,000 Historic Data - December 2010 Assets $77.41 million Equity Capital $5.74 million Loan Loss Allowance $841,000 Unbacked Noncurrent Loans $1.49 million Real Estate Owned $468,000 Profit Margin - Quarterly Net Interest Margin 5.76% Return on Assets -0.74% Return on Equity -9.43% Interest Income $2.45 million Non-Interest Income $822,000

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 City & Police Credit Union had $177,000 in non-current loans and owned real-estate with $6.19 million in equity and loan loss allowances on hand to cover it. This gives City & Police Credit Union a Texas Ratio of 2.86% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for City & Police Credit Union decreased significantly from 29.74% as of December 31, 2010 to 2.86% as of December 31, 2011, resulting in a positive change of 90.39%.This indicates that the balance sheet and financial strength for City & Police Credit Union has improved significantly in recent periods. Deposit Growth In the past year, City & Police Credit Union has decreased its total deposits by -$9.71 million, resulting in -13.58% 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 City & 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. City & Police Credit Union has $67.13 million in assets with $6.19 million in equity, resulting in a capitalization level of 9.22%, which is average.

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