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Overview / Commentary
9100 Presidential Parkway
Upper Marlboro, MD 20772

Police Credit Union is headquartered in Upper Marlboro and is the 28th largest credit union in the state of Maryland. It is also the 1,167th largest credit union in the nation. It was established in 1935 and as of December of 2013, it had grown to 36 employees and 11,003 members. Police Credit Union's savings rates are 92% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Must be a law enforcement personnel within the Greater Metropolitan Washington Area. - See Details

Reviews (1)

Police Federal Credit Union In Maryland And DC

After opening a checking account at the PFCU and paying my first bills with them, I paid my bills online thru my creditors, the PFCU returned 3 of my requested payments as ACCOUNT NOT LOCATED they did this because my creditor did not include my name in the payment transmittal (common practice for some if not all) my creditor charged me late fees and returned payment fees, one of them dismissed the fee the others did not. When I confronted PFCU about them not paying my bills they said they did it because my name was not included in the EFT transmittal only my account number was listed, when i told them i was charged fees by my creditors for this they stated they would not reimburse me as it was not an error on their part. now i have fees and damaged credit from this. From what the EFT manager said they do this regularly to their customers yet he was quick to offer an override on my account so that it would not happen again. Why do they do this in the first place if they will so easily override it??? Never heard of such a practice and I have closed that account and would not advise anyone of having a checking account with PFCU.


Data for Q4 2013

Institution Health


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, 2013 Police Credit Union had $2.05 million in non-current loans and owned real-estate with $16.89 million in equity and loan loss allowances on hand to cover it. This gives Police Credit Union a Texas Ratio of 12.16% 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 Credit Union increased slightly from 4.91% as of December 31, 2012 to 12.16% as of December 31, 2013, resulting in a negative change of 147.60%. This indicates that the balance sheet and financial strength for Police Credit Union has declined slightly in recent periods.

Deposit Growth


In the past year, Police Credit Union has decreased its total deposits by -$4.43 million, resulting in -3.37% 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 Credit Union has shown is below average.



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 Credit Union has $143.41 million in assets with $16.89 million in equity, resulting in a capitalization level of 11.78%, which is excellent.

Institution Statistics

NCUA #16401
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$143.41 million
Loans$68.00 million
Deposits$127.03 million
Equity Capital$16.03 million
Loan Loss Allowance$866,000
Unbacked Noncurrent Loans$2.05 million
Real Estate Owned$0
Historic Data - December 2012
Assets$147.72 million
Equity Capital$15.85 million
Loan Loss Allowance$1.18 million
Unbacked Noncurrent Loans$2.05 million
Real Estate Owned$25,000
Profit Margin - Quarterly
Net Interest Margin4.8%
Return on Assets0.75%
Return on Equity6.71%
Interest Income$4.66 million

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Police Credit Union Savings Account Rates

1.00%$25-IRA Share Account
1.00%$25-Coverdell Share Account
1.00%$25-Roth IRA Share Account
1.00%$25-SEP IRA Share Account
0.50%--Club Account
0.15%--Share Savings
0.15%--Sub-Share Account

Police Credit Union Money Market Rates

0.40%$25k-Money Market Account

Police Credit Union Checking Account Rates

0.12%--Benefits Plus Checking Account
0.06%--Checking Account

Police Credit Union CD Rates

1.75%$1k-48 Month CD
1.25%$1k-36 Month CD
0.95%$1k-24 Month CD
0.55%$1k-12 Month CD
0.45%$1k-6 Month CD

Police Credit Union IRA Rates

2.50%$100-12-Month Add-on IRA (Traditional,Roth,SEP)
2.50%$100-12 Month Add-on Coverdell Share
2.00%$500-60 Month IRA Share (Traditional,Roth,SEP)
2.00%$250-60 Month Coverdell Share
1.50%$500-48 Month IRA Share (Traditional,Roth,SEP)
1.50%$250-48 Month Coverdell Share
1.25%$500-36 Month IRA Share (Traditional,Roth,SEP)
1.25%$250-36 Month Coverdell Share
0.95%$500-24 Month IRA Share (Traditional,Roth,SEP)
0.95%$250-24 Month Coverdell Share
0.55%$500-12 Month IRA Share (Traditional,Roth,SEP)
0.55%$250-12 Month Coverdell Share

Police Credit Union Locations
Branch Office9100 Presidential PkwyUpper Marlboro, MD 20772-2658
Branch Office300 Indiana Ave NW # 4067Washington, DC 20001-2106