Utica Police Department Credit Union

Utica Police Department Credit Union is headquartered in utica and is the 279^th largest credit union in the state of New York. It is also the 5,272^nd largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to employees and 603 members. Utica Police Department Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics UTICA POLICE DEPARTMENT NCUA # 2208 BankRate Report View Year Chartered 1937 Employees 0 Primary Regulator Assets and Liabilities Assets $6.22 million Loans $3.81 million Deposits $5.26 million Equity Capital $961,000 Loan Loss Allowance $61,000 Unbacked Noncurrent Loans $217,000 Historic Data - December 2010 Assets $6.02 million Equity Capital $842,000 Loan Loss Allowance $60,000 Unbacked Noncurrent Loans $240,000 Profit Margin - Quarterly Net Interest Margin 5.67% Return on Assets 1.83% Return on Equity 11.86% Interest Income $331,000

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 Utica Police Department Credit Union had $217,000 in non-current loans and owned real-estate with $1.02 million in equity and loan loss allowances on hand to cover it. This gives Utica Police Department Credit Union a Texas Ratio of 21.23% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Utica Police Department Credit Union decreased slightly from 26.61% as of December 31, 2010 to 21.23% as of December 31, 2011, resulting in a positive change of 20.20%.This indicates that the balance sheet and financial strength for Utica Police Department Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Utica Police Department Credit Union has increased its total deposits by $80,000, resulting in 1.55% 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 Utica Police Department Credit Union has shown is above average. 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. Utica Police Department Credit Union has $6.22 million in assets with $1.02 million in equity, resulting in a capitalization level of 16.43%, which is excellent.

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