Police Credit Union

Police Credit Union is headquartered in Upper Marlboro and is the 30^th largest credit union in the state of Maryland. It is also the 1,091^st largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 35 employees and 10,769 members. Police Credit Union's savings rates are 92% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics POLICE NCUA # 16401 BankRate Report View Year Chartered 1935 Employees 35 Primary Regulator Assets and Liabilities Assets $145.67 million Loans $69.67 million Deposits $129.56 million Equity Capital $15.67 million Loan Loss Allowance $1.24 million Unbacked Noncurrent Loans $2.33 million Real Estate Owned $198,000 Historic Data - December 2010 Assets $153.48 million Equity Capital $15.77 million Loan Loss Allowance $952,000 Unbacked Noncurrent Loans $2.76 million Real Estate Owned $190,000 Profit Margin - Quarterly Net Interest Margin 5.83% Return on Assets -0.11% Return on Equity -1.02% Interest Income $6.15 million Non-Interest Income $1.61 million

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 Credit Union had $2.53 million in non-current loans and owned real-estate with $16.91 million in equity and loan loss allowances on hand to cover it. This gives Police Credit Union a Texas Ratio of 14.95% 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 decreased slightly from 17.62% as of December 31, 2010 to 14.95% as of December 31, 2011, resulting in a positive change of 15.15%.This indicates that the balance sheet and financial strength for Police Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Police Credit Union has decreased its total deposits by -$8.52 million, resulting in -6.17% 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 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 Credit Union has $145.67 million in assets with $16.91 million in equity, resulting in a capitalization level of 11.61%, which is above average.

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