Institution Statistics
| POLICE | | NCUA # | 66663 | | BankRate Report | View | | Year Chartered | 1934 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $665,000 | | Loans | $497,000 | | Deposits | $550,000 | | Equity Capital | $115,000 | | Loan Loss Allowance | $7,000 | | Unbacked Noncurrent Loans | $12,000 |
Historic Data - December 2010 | | Assets | $738,000 | | Equity Capital | $106,000 | | Loan Loss Allowance | $6,000 | | Unbacked Noncurrent Loans | $13,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.55% | | Return on Assets | 1.2% | | Return on Equity | 6.96% | | Interest Income | $32,000 |
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Institution Health
Overall Score:
4 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 Police CU (66663) had $12,000 in non-current loans and owned real-estate with $122,000 in equity and loan loss allowances on hand to cover it. This gives Police CU (66663) a Texas Ratio of 9.84% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Police CU (66663) decreased slightly from 11.61% as of December 31, 2010 to 9.84% as of December 31, 2011, resulting in a positive change of 15.26%.This indicates that the balance sheet and financial strength for Police CU (66663) has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Police CU (66663) has decreased its total deposits by $-82,000, resulting in -12.97% 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 Police CU (66663) 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. Police CU (66663) has $665,000 in assets with $122,000 in equity, resulting in a capitalization level of 18.35%, which is excellent. |
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