St. Louis Policemen`S Credit Union

St. Louis Policemen`S Credit Union is headquartered in saint louis and is the 58<sup>th</sup> largest credit union in the state of Missouri. It is also the 3,503<sup>rd</sup> largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 2 employees and 2,448 members. St. Louis Policemen`S Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics ST. LOUIS POLICEMEN`S NCUA # 64425 BankRate Report View Year Chartered 1934 Employees 2 Primary Regulator Assets and Liabilities Assets $20.74 million Loans $5.70 million Deposits $17.72 million Equity Capital $2.99 million Loan Loss Allowance $18,000 Unbacked Noncurrent Loans $58,000 Historic Data - December 2010 Assets $22.42 million Equity Capital $2.98 million Loan Loss Allowance $10,000 Unbacked Noncurrent Loans $93,000 Profit Margin - Quarterly Net Interest Margin 5.37% Return on Assets 0% Return on Equity 0% Interest Income $463,000 Non-Interest Income $4,000

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 St. Louis Policemen`S Credit Union had $58,000 in non-current loans and owned real-estate with $3.01 million in equity and loan loss allowances on hand to cover it. This gives St. Louis Policemen`S Credit Union a Texas Ratio of 1.93% 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 St. Louis Policemen`S Credit Union decreased slightly from 3.11% as of December 31, 2010 to 1.93% as of December 31, 2011, resulting in a positive change of 37.90%.This indicates that the balance sheet and financial strength for St. Louis Policemen`S Credit Union has improved slightly in recent periods. Deposit Growth In the past year, St. Louis Policemen`S Credit Union has decreased its total deposits by -$1.68 million, resulting in -8.64% 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 St. Louis Policemen`S 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. St. Louis Policemen`S Credit Union has $20.74 million in assets with $3.01 million in equity, resulting in a capitalization level of 14.50%, which is excellent.

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