Institution Statistics
| S.F. POLICE | | NCUA # | 60968 | | BankRate Report | View | | Year Chartered | 1958 | | Employees | 92 | | Primary Regulator | |
Assets and Liabilities | | Assets | $695.07 million | | Loans | $334.58 million | | Deposits | $591.60 million | | Equity Capital | $100.90 million | | Loan Loss Allowance | $6.67 million | | Unbacked Noncurrent Loans | $644,000 | | Real Estate Owned | $414,000 |
Historic Data - December 2010 | | Assets | $634.49 million | | Equity Capital | $92.31 million | | Loan Loss Allowance | $3.67 million | | Unbacked Noncurrent Loans | $3.85 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.6% | | Return on Assets | 0.61% | | Return on Equity | 4.18% | | Interest Income | $28.30 million | | Non-Interest Income | $3.09 million |
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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 S.F. Police Credit Union had $1.06 million in non-current loans and owned real-estate with $107.57 million in equity and loan loss allowances on hand to cover it. This gives S.F. Police Credit Union a Texas Ratio of 0.98% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for S.F. Police Credit Union decreased significantly from 4.02% as of December 31, 2010 to 0.98% as of December 31, 2011, resulting in a positive change of 75.51%.This indicates that the balance sheet and financial strength for S.F. Police Credit Union has improved significantly in recent periods. | | Deposit Growth | | | In the past year, S.F. Police Credit Union has increased its total deposits by $51.26 million, resulting in 9.49% 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 S.F. Police Credit Union 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. S.F. Police Credit Union has $695.07 million in assets with $107.57 million in equity, resulting in a capitalization level of 15.48%, which is excellent. |
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