Georgia Dept Of Pub Safety Credit Union

Georgia Dept Of Pub Safety Credit Union is headquartered in ATLANTA and is the 81^st largest credit union in the state of Georgia. It is also the 4,148^th largest credit union in the nation. It was established in 1970 and as of December of 2011, it had grown to 4 employees and 2,736 members. Georgia Dept Of Pub Safety Credit Union has a 2-star health rating.

Data for Q4 2011

Institution Statistics GEORGIA DEPT OF PUB SAFETY NCUA # 67712 BankRate Report View Year Chartered 1970 Employees 4 Primary Regulator Assets and Liabilities Assets $13.56 million Loans $10.00 million Deposits $13.30 million Equity Capital $225,000 Loan Loss Allowance $762,000 Unbacked Noncurrent Loans $245,000 Real Estate Owned $117,000 Historic Data - December 2010 Assets $17.56 million Equity Capital $1.63 million Loan Loss Allowance $307,000 Unbacked Noncurrent Loans $1.91 million Real Estate Owned $190,000 Profit Margin - Quarterly Net Interest Margin 7.8% Return on Assets -10.37% Return on Equity -624.89% Interest Income $944,000 Non-Interest Income $64,000

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 Georgia Dept Of Pub Safety Credit Union had $362,000 in non-current loans and owned real-estate with $987,000 in equity and loan loss allowances on hand to cover it. This gives Georgia Dept Of Pub Safety Credit Union a Texas Ratio of 36.68% 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 Georgia Dept Of Pub Safety Credit Union decreased significantly from 108.15% as of December 31, 2010 to 36.68% as of December 31, 2011, resulting in a positive change of 66.09%.This indicates that the balance sheet and financial strength for Georgia Dept Of Pub Safety Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Georgia Dept Of Pub Safety Credit Union has decreased its total deposits by -$2.58 million, resulting in -16.27% 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 Georgia Dept Of Pub Safety 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. Georgia Dept Of Pub Safety Credit Union has $13.56 million in assets with $987,000 in equity, resulting in a capitalization level of 7.28%, which is below average.

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