Wilmington Police & Fire Credit Union

Wilmington Police & Fire Credit Union is headquartered in Wilmington and is the 15^st largest credit union in the state of Delaware. It is also the 3,985^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 3 employees and 2,721 members. Wilmington Police & Fire Credit Union's CD rates are 11% higher than the national average, and it has a 4-star health rating.

Wilmington Police & Fire Credit Union Savings Account Rates

Wilmington Police & Fire Credit Union CD Rates

Data for Q4 2011

Institution Statistics WILMINGTON POLICE & FIRE NCUA # 11347 BankRate Report View Year Chartered 1956 Employees 3 Primary Regulator Assets and Liabilities Assets $14.97 million Loans $3.75 million Deposits $11.04 million Equity Capital $3.92 million Loan Loss Allowance $99,000 Unbacked Noncurrent Loans $113,000 Historic Data - December 2010 Assets $15.59 million Equity Capital $3.63 million Loan Loss Allowance $132,000 Unbacked Noncurrent Loans $150,000 Profit Margin - Quarterly Net Interest Margin 9.24% Return on Assets -0.05% Return on Equity -0.18% Interest Income $591,000 Non-Interest Income $72,000

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 Wilmington Police & Fire Credit Union had $113,000 in non-current loans and owned real-estate with $4.02 million in equity and loan loss allowances on hand to cover it. This gives Wilmington Police & Fire Credit Union a Texas Ratio of 2.81% 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 Wilmington Police & Fire Credit Union decreased slightly from 3.99% as of December 31, 2010 to 2.81% as of December 31, 2011, resulting in a positive change of 29.52%.This indicates that the balance sheet and financial strength for Wilmington Police & Fire Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Wilmington Police & Fire Credit Union has decreased its total deposits by $-870,000, resulting in -7.31% 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 Wilmington Police & Fire 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. Wilmington Police & Fire Credit Union has $14.97 million in assets with $4.02 million in equity, resulting in a capitalization level of 26.83%, which is excellent.

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