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Overview / Commentary
1-800-952-PGCU
15201 Hall Rd
Bowie, MD 20721

Prince George's Community Credit Union is headquartered in Bowie and is the 29th largest credit union in the state of Maryland. It is also the 1,188th largest credit union in the nation. It was established in 1967 and as of December of 2013, it had grown to 41 employees and 15,240 members. Prince George's Community Credit Union has a A health rating.

Field of Membership Restrictions

Must live, work, worship or volunteer in Prince George’s County. - See Details

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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 Prince George's Community Credit Union had $1.1 million in non-current loans and owned real-estate with $14.33 million in equity and loan loss allowances on hand to cover it. This gives Prince George's Community Credit Union a Texas Ratio of 7.65% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Prince George's Community Credit Union decreased dramatically from 14.16% as of December 31, 2012 to 7.65% as of December 31, 2013, resulting in a positive change of 46.00%.This indicates that the balance sheet and financial strength for Prince George's Community Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Prince George's Community Credit Union has increased its total deposits by $3.16 million, resulting in 2.61% 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 Prince George's Community Credit Union has shown is above average.

Capitalization

GRADE:
B+

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. Prince George's Community Credit Union has $139.12 million in assets with $14.33 million in equity, resulting in a capitalization level of 10.30%, which is above average.

Institution Statistics

Overall
NCUA #18271
Year Chartered1967
Employees41
Primary Regulator
Assets and Liabilities
Assets$139.12 million
Loans$101.92 million
Deposits$124.07 million
Equity Capital$13.58 million
Loan Loss Allowance$757,000
Unbacked Noncurrent Loans$1.10 million
Real Estate Owned$0
Historic Data - December 2012
Assets$134.49 million
Equity Capital$12.68 million
Loan Loss Allowance$1.11 million
Unbacked Noncurrent Loans$1.10 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.67%
Return on Assets0.67%
Return on Equity6.89%
Interest Income$5.54 million
Rates

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Prince George's Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%--IRA - Variable
0.15%$500-Regular Share Savings
0.15%$500-Special Savings
0.15%--Holiday Savings
0.15%$50-Centsables Kids Account

Prince George's Community Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$50k-Money Market Account

Prince George's Community Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Advantage Checking
0.05%--Teen Checking Account

Prince George's Community Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
2.02%$7,500$10k5 Year Pot of Gold CD
1.26%$1k-60 Month CD
1.16%$1k-36 Month CD
0.90%$1k-24 Month CD
0.65%$500-12 Month CD
0.40%$500-6 Month CD

Prince George's Community Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.26%$1k-60 Month IRA
1.16%$1k-36 Month IRA
0.90%$1k-24 Month IRA
0.65%$500-12 Month IRA
0.40%$500-6 Month IRA
Locations


Prince George's Community Credit Union Locations
Branch Office15201 Hall RDBowie, MD 20721
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