Institution Statistics
| WATERLOO POLICE | | NCUA # | 64469 | | BankRate Report | View | | Year Chartered | 1941 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $2.67 million | | Loans | $1.79 million | | Deposits | $2.29 million | | Equity Capital | $376,000 | | Loan Loss Allowance | $9,000 |
Historic Data - December 2010 | | Assets | $2.68 million | | Equity Capital | $376,000 | | Loan Loss Allowance | $9,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.3% | | Return on Assets | 0% | | Return on Equity | 0% | | Interest Income | $87,000 |
|
|
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 Waterloo Police Credit Union had $0 in non-current loans and owned real-estate with $385,000 in equity and loan loss allowances on hand to cover it. This gives Waterloo Police Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Waterloo Police Credit Union has decreased its total deposits by $-7,000, resulting in -0.31% 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 Waterloo Police Credit Union has shown is 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. Waterloo Police Credit Union has $2.67 million in assets with $385,000 in equity, resulting in a capitalization level of 14.42%, which is excellent. |
|
