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Overview / Commentary
800-822-2370
1209 N 16th Ave
Yakima, WA 98902

Calcoe Credit Union is headquartered in Yakima and is the 76th largest credit union in the state of Washington. It is also the 3,295th largest credit union in the nation. It was established in 1937 and as of March of 2014, it had grown to 11 employees and 2,689 members. Calcoe Credit Union has a B health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Yakima County. - See Details

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Health

Data for Q1 2014

Institution Health

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

Texas Ratio

GRADE:
A+

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 Calcoe Credit Union had $187,000 in non-current loans and owned real-estate with $2.58 million in equity and loan loss allowances on hand to cover it. This gives Calcoe Credit Union a Texas Ratio of 7.25% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Calcoe Credit Union decreased slightly from 8.96% as of March 31, 2013 to 7.25% as of March 31, 2014, resulting in a positive change of 19.09%.This indicates that the balance sheet and financial strength for Calcoe Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, Calcoe Credit Union has increased its total deposits by $752,000, resulting in 3.61% 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 Calcoe Credit Union has shown is excellent.

Capitalization

GRADE:
B+

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. Calcoe Credit Union has $24.02 million in assets with $2.58 million in equity, resulting in a capitalization level of 10.74%, which is above average.

Institution Statistics

Overall
NCUA #2237
Year Chartered1937
Employees11
Primary Regulator
Assets and Liabilities
Assets$24.02 million
Loans$14.53 million
Deposits$21.57 million
Equity Capital$2.39 million
Loan Loss Allowance$190,000
Unbacked Noncurrent Loans$50,000
Real Estate Owned$137,000
Historic Data - March 2013
Assets$23.46 million
Equity Capital$2.59 million
Loan Loss Allowance$85,000
Unbacked Noncurrent Loans$50,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.74%
Return on Assets0.22%
Return on Equity2.18%
Interest Income$269,000
Rates
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Calcoe Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Sub Share Account

Calcoe Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.85%$250-24 Month Certificate
0.55%$250-18 Month Certificate
0.45%$250-12 Month Certificate
0.25%$250-6 Month Certificate

Calcoe Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.85%$250-24 Month IRA Certificate
0.55%$250-18 Month IRA Certificate
0.45%$250-12 Month IRA Certificate
0.25%$250-6 Month IRA Certificate
Locations


Calcoe Credit Union Locations
Branch Office1209 N 16th AveYakima, WA 98902
Branch Office110 N 5th AveYakima, WA 98902
Branch Office223 W Moxee AveMoxee, WA 98936
Branch Office1421 E Meadowwood Suite 130Liberty Lake, WA 99019-7613