Delaware State Police Credit Union

Delaware State Police Credit Union is headquartered in Georgetown and is the 6^th largest credit union in the state of Delaware. It is also the 1,277^th largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 27 employees and 9,472 members. Delaware State Police Credit Union's savings rates are 15% higher than the national average, but it has a 2-star health rating.

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Data for Q4 2011

Institution Statistics DELAWARE STATE POLICE NCUA # 13791 BankRate Report View Year Chartered 1960 Employees 27 Primary Regulator Assets and Liabilities Assets $117.03 million Loans $56.57 million Deposits $105.40 million Equity Capital $10.84 million Loan Loss Allowance $676,000 Unbacked Noncurrent Loans $3.48 million Real Estate Owned $430,000 Historic Data - December 2010 Assets $117.65 million Equity Capital $10.31 million Loan Loss Allowance $702,000 Unbacked Noncurrent Loans $2.25 million Real Estate Owned $896,000 Profit Margin - Quarterly Net Interest Margin 5.17% Return on Assets 0.12% Return on Equity 1.29% Interest Income $4.99 million Non-Interest Income $777,000

Institution Health Overall Score: 2 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 Delaware State Police Credit Union had $3.91 million in non-current loans and owned real-estate with $11.51 million in equity and loan loss allowances on hand to cover it. This gives Delaware State Police Credit Union a Texas Ratio of 34.00% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Delaware State Police Credit Union increased slightly from 28.57% as of December 31, 2010 to 34.00% as of December 31, 2011, resulting in a negative change of 19.03%. This indicates that the balance sheet and financial strength for Delaware State Police Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Delaware State Police Credit Union has decreased its total deposits by -$1.34 million, resulting in -1.26% 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 Delaware State Police 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. Delaware State Police Credit Union has $117.03 million in assets with $11.51 million in equity, resulting in a capitalization level of 9.84%, which is average.

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