D C Fire Department Credit Union

D C Fire Department Credit Union is headquartered in WASHINGTON and is the 32^nd largest credit union in the state of District of Columbia. It is also the 5,277^th largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 3 employees and 1,561 members. D C Fire Department Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics D C FIRE DEPARTMENT NCUA # 6088 BankRate Report View Year Chartered 1949 Employees 3 Primary Regulator Assets and Liabilities Assets $6.20 million Loans $2.88 million Deposits $5.11 million Equity Capital $1.09 million Loan Loss Allowance $16,000 Unbacked Noncurrent Loans $101,000 Historic Data - December 2010 Assets $6.21 million Equity Capital $1.08 million Loan Loss Allowance $24,000 Unbacked Noncurrent Loans $137,000 Profit Margin - Quarterly Net Interest Margin 12.31% Return on Assets 0.19% Return on Equity 1.1% Interest Income $400,000 Non-Interest Income $6,000

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 D C Fire Department Credit Union had $101,000 in non-current loans and owned real-estate with $1.1 million in equity and loan loss allowances on hand to cover it. This gives D C Fire Department Credit Union a Texas Ratio of 9.14% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for D C Fire Department Credit Union decreased slightly from 12.44% as of December 31, 2010 to 9.14% as of December 31, 2011, resulting in a positive change of 26.54%.This indicates that the balance sheet and financial strength for D C Fire Department Credit Union has improved slightly in recent periods. Deposit Growth In the past year, D C Fire Department Credit Union has decreased its total deposits by $-22,000, resulting in -0.43% 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 D C Fire Department Credit Union has shown is 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. D C Fire Department Credit Union has $6.2 million in assets with $1.1 million in equity, resulting in a capitalization level of 17.83%, which is excellent.

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