K C K Firemen & Police Credit Union

K C K Firemen & Police Credit Union is headquartered in Kansas City and is the 52^nd largest credit union in the state of Kansas. It is also the 4,637^th largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 2 employees and 1,881 members. K C K Firemen & Police Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics K C K FIREMEN & POLICE NCUA # 66299 BankRate Report View Year Chartered 1949 Employees 2 Primary Regulator Assets and Liabilities Assets $9.89 million Loans $5.84 million Deposits $7.65 million Equity Capital $2.18 million Loan Loss Allowance $150,000 Unbacked Noncurrent Loans $10,000 Historic Data - December 2010 Assets $9.58 million Equity Capital $2.15 million Loan Loss Allowance $136,000 Unbacked Noncurrent Loans $12,000 Profit Margin - Quarterly Net Interest Margin 7.56% Return on Assets 0.3% Return on Equity 1.37% Interest Income $642,000

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 K C K Firemen & Police Credit Union had $10,000 in non-current loans and owned real-estate with $2.33 million in equity and loan loss allowances on hand to cover it. This gives K C K Firemen & Police Credit Union a Texas Ratio of 0.43% 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 K C K Firemen & Police Credit Union decreased slightly from 0.52% as of December 31, 2010 to 0.43% as of December 31, 2011, resulting in a positive change of 18.24%.This indicates that the balance sheet and financial strength for K C K Firemen & Police Credit Union has improved slightly in recent periods. Deposit Growth In the past year, K C K Firemen & Police Credit Union has increased its total deposits by $252,000, resulting in 3.41% 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 K C K Firemen & Police Credit Union has shown is above 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. K C K Firemen & Police Credit Union has $9.89 million in assets with $2.33 million in equity, resulting in a capitalization level of 23.60%, which is excellent.

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