Institution Statistics
| HARRISON POLICE & FIREMEN'S | | NCUA # | 6638 | | BankRate Report | View | | Year Chartered | 1950 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $21.72 million | | Loans | $7.68 million | | Deposits | $20.08 million | | Equity Capital | $1.56 million | | Loan Loss Allowance | $168,000 | | Unbacked Noncurrent Loans | $488,000 | | Real Estate Owned | $20,000 |
Historic Data - December 2010 | | Assets | $22.31 million | | Equity Capital | $1.63 million | | Loan Loss Allowance | $411,000 | | Unbacked Noncurrent Loans | $901,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.74% | | Return on Assets | -0.33% | | Return on Equity | -4.56% | | Interest Income | $729,000 | | Non-Interest Income | $27,000 |
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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 Harrison Police & Firemen's Credit Union had $508,000 in non-current loans and owned real-estate with $1.73 million in equity and loan loss allowances on hand to cover it. This gives Harrison Police & Firemen's Credit Union a Texas Ratio of 29.43% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Harrison Police & Firemen's Credit Union decreased slightly from 44.17% as of December 31, 2010 to 29.43% as of December 31, 2011, resulting in a positive change of 33.36%.This indicates that the balance sheet and financial strength for Harrison Police & Firemen's Credit Union has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Harrison Police & Firemen's Credit Union has decreased its total deposits by $-507,000, resulting in -2.46% 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 Harrison Police & Firemen's 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. Harrison Police & Firemen's Credit Union has $21.72 million in assets with $1.73 million in equity, resulting in a capitalization level of 7.95%, which is below average. |
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