Hoboken N J Police Credit Union

Hoboken N J Police Credit Union is headquartered in HOBOKEN and is the 95^th largest credit union in the state of New Jersey. It is also the 4,536^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 3 employees and 777 members. Hoboken N J Police Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics HOBOKEN N J POLICE NCUA # 9075 BankRate Report View Year Chartered 1953 Employees 3 Primary Regulator Assets and Liabilities Assets $10.56 million Loans $6.00 million Deposits $8.59 million Equity Capital $1.90 million Loan Loss Allowance $83,000 Unbacked Noncurrent Loans $539,000 Historic Data - December 2010 Assets $10.65 million Equity Capital $1.89 million Loan Loss Allowance $104,000 Unbacked Noncurrent Loans $229,000 Profit Margin - Quarterly Net Interest Margin 4.39% Return on Assets 0.06% Return on Equity 0.32% Interest Income $430,000 Non-Interest Income $2,000

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 Hoboken N J Police Credit Union had $539,000 in non-current loans and owned real-estate with $1.98 million in equity and loan loss allowances on hand to cover it. This gives Hoboken N J Police Credit Union a Texas Ratio of 27.21% 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 Hoboken N J Police Credit Union increased slightly from 11.48% as of December 31, 2010 to 27.21% as of December 31, 2011, resulting in a negative change of 136.92%. This indicates that the balance sheet and financial strength for Hoboken N J Police Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Hoboken N J Police Credit Union has decreased its total deposits by $-91,000, resulting in -1.05% 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 Hoboken N J 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. Hoboken N J Police Credit Union has $10.56 million in assets with $1.98 million in equity, resulting in a capitalization level of 18.77%, which is excellent.

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