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Overview / Commentary
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 3,298th largest credit union in the nation. It was established in 1937 and as of December of 2013, it had grown to 10 employees and 2,620 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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Data for Q4 2013

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. Calcoe Credit Union has a low asset base.

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, 2013 Calcoe Credit Union had $250,000 in non-current loans and owned real-estate with $2.52 million in equity and loan loss allowances on hand to cover it. This gives Calcoe Credit Union a Texas Ratio of 9.91% 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 Calcoe Credit Union experienced no significant changes from 8.18% as of December 31, 2012 to 9.91% as of December 31, 2013, resulting in a negative change of 21.17%. This indicates that the balance sheet and financial strength for Calcoe Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Calcoe Credit Union has increased its total deposits by $1.1 million, resulting in 5.53% 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.



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 $23.39 million in assets with $2.52 million in equity, resulting in a capitalization level of 10.79%, which is above average.

Institution Statistics

NCUA #2237
Year Chartered1937
Primary Regulator
Assets and Liabilities
Assets$23.39 million
Loans$14.85 million
Deposits$20.99 million
Equity Capital$2.35 million
Loan Loss Allowance$171,000
Unbacked Noncurrent Loans$113,000
Real Estate Owned$137,000
Historic Data - December 2012
Assets$22.57 million
Equity Capital$2.64 million
Loan Loss Allowance$86,000
Unbacked Noncurrent Loans$113,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.72%
Return on Assets-0.66%
Return on Equity-6.55%
Interest Income$932,000
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Calcoe Credit Union Savings Account Rates

0.05%--Sub Share Account

Calcoe Credit Union CD Rates

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

0.85%$250-24 Month IRA Certificate (Traditional,Roth,CESA)
0.55%$250-18 Month IRA Certificate (Traditional,CESA,Roth)
0.45%$250-12 Month IRA Certificate (Traditional,Roth,CESA)
0.25%$250-6 Month IRA Certificate (Traditional,Roth,CESA)

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