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Overview / Commentary
6103 N Astor St
Spokane, WA 99208

Amicus is headquartered in Spokane and is the 90th largest credit union in the state of Washington. It is also the 4,351st largest credit union in the nation. It was established in 1964 and as of March of 2014, it had grown to 4 employees and 1,084 members. Amicus' savings rates are 44% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Who is eligible? * Catholics and Family Members of Catholics within the Diocese of Spokane * Employees and Family Members of Employees working for one of the many Catholic Organizations in Spokane * Employees and Family Members of Employees working for Holy Family, Sacred Heart, Mt. Carmel and St Joseph’s Hospitals * Employees and Family Members of Employees working at Franklin Park Mall (not including Rite Aid) - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Amicus has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Amicus had $38,000 in non-current loans and owned real-estate with $1.3 million in equity and loan loss allowances on hand to cover it. This gives Amicus a Texas Ratio of 2.92% 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 Amicus experienced no significant changes from 0.56% as of March 31, 2013 to 2.92% as of March 31, 2014, resulting in a negative change of 422.84%. This indicates that the balance sheet and financial strength for Amicus has had no significant changes in recent periods.

Deposit Growth


In the past year, Amicus has decreased its total deposits by -$1.15 million, resulting in -10.6% 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 Amicus has shown is poor.



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. Amicus has $11.2 million in assets with $1.3 million in equity, resulting in a capitalization level of 11.62%, which is excellent.

Institution Statistics

NCUA #24729
Year Chartered1964
Primary Regulator
Assets and Liabilities
Assets$11.20 million
Loans$7.46 million
Deposits$9.72 million
Equity Capital$1.27 million
Loan Loss Allowance$35,000
Unbacked Noncurrent Loans$38,000
Real Estate Owned$0
Historic Data - March 2013
Assets$12.20 million
Equity Capital$1.22 million
Loan Loss Allowance$37,000
Unbacked Noncurrent Loans$38,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.26%
Return on Assets0.14%
Return on Equity1.26%
Interest Income$104,000

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Amicus Savings Account Rates

0.75%$1k-Traditional IRA Shares
0.75%$1k-Roth IRA Shares
0.75%$1k-Educational IRA Shares
0.10%$20-Primary Shares
0.10%--Christmas Club
0.10%$20-Sub Shares

Amicus Money Market Rates

0.35%$50k-Money Market Account

Amicus Checking Account Rates

0.25%$300-Dividend Checking

Amicus CD Rates

1.00%$2,500-48 Month Term CD
1.00%$2,500-60 Month Term CD
0.95%$2,500-36 Month Term CD
0.75%$2,500-24 Month Term CD
0.35%$2,500-12 Month Term CD
0.25%$2,500-6 Month Term CD

Amicus IRA Rates

1.00%$2,500-48 Month Term IRA
1.00%$2,500-60 Month Term IRA
0.95%$2,500-36 Month Term IRA
0.75%$2,500-24 Month Term IRA
0.35%$2,500-12 Month Term IRA
0.25%$2,500-6 Month Term IRA

Amicus Locations
Branch Office6103 N Astor StSpokane, WA 99208