Houston Police Credit Union

Houston Police Credit Union is headquartered in Houston and is the 34^th largest credit union in the state of Texas. It is also the 446^th largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 73 employees and 26,024 members. Houston Police Credit Union's savings rates are 4X the national average, and it boasts a 5-star health rating.

Houston Police Credit Union Checking Account Rates

Houston Police Credit Union Savings Account Rates

Houston Police Credit Union CD Rates

Data for Q4 2011

Institution Statistics HOUSTON POLICE NCUA # 2357 BankRate Report View Year Chartered 1937 Employees 73 Primary Regulator Assets and Liabilities Assets $439.07 million Loans $174.42 million Deposits $374.99 million Equity Capital $60.49 million Loan Loss Allowance $1.70 million Unbacked Noncurrent Loans $1.39 million Historic Data - December 2010 Assets $392.65 million Equity Capital $54.38 million Loan Loss Allowance $1.54 million Unbacked Noncurrent Loans $1.35 million Real Estate Owned $38,000 Profit Margin - Quarterly Net Interest Margin 5.14% Return on Assets 1.06% Return on Equity 7.68% Interest Income $17.35 million Non-Interest Income $5.12 million

Institution Health Overall Score: 5 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 Houston Police Credit Union had $1.39 million in non-current loans and owned real-estate with $62.19 million in equity and loan loss allowances on hand to cover it. This gives Houston Police Credit Union a Texas Ratio of 2.23% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Houston Police Credit Union held steady from 2.48% as of December 31, 2010 to 2.23% as of December 31, 2011, resulting in a positive change of 10.02%.This indicates that the balance sheet and financial strength for Houston Police Credit Union has held steady in recent periods. Deposit Growth In the past year, Houston Police Credit Union has increased its total deposits by $39.44 million, resulting in 11.76% 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 Houston Police Credit Union has shown is excellent. 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. Houston Police Credit Union has $439.07 million in assets with $62.19 million in equity, resulting in a capitalization level of 14.16%, which is excellent.

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