Institution Statistics
| POLICE | | NCUA # | 66433 | | BankRate Report | View | | Year Chartered | 1932 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $1.56 million | | Loans | $1.14 million | | Deposits | $1.38 million | | Equity Capital | $172,000 | | Loan Loss Allowance | $17,000 | | Unbacked Noncurrent Loans | $6,000 |
Historic Data - December 2010 | | Assets | $1.35 million | | Equity Capital | $170,000 | | Loan Loss Allowance | $16,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.34% | | Return on Assets | 0.06% | | Return on Equity | 0.58% | | Interest Income | $54,000 |
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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 Police CU (WI) had $6,000 in non-current loans and owned real-estate with $189,000 in equity and loan loss allowances on hand to cover it. This gives Police CU (WI) a Texas Ratio of 3.17% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Police CU (WI) has increased its total deposits by $211,000, resulting in 18% 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 (WI) 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. Police CU (WI) has $1.56 million in assets with $189,000 in equity, resulting in a capitalization level of 12.12%, which is excellent. |
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