Capital Educators FCU

275 S Stratford Drive
Meridian, ID 83642
(800) 223-7283
www.capedfcu.org
 

Related Blog Posts

4.08% Reward Checking Account at Capital Educators FCU in Idaho - 2/12/2009

Update 5/10/09: The top rate has fallen to 4.08% APY.Capital Educators FCU is offering a rewards checking account called High Yield eChecking. It pays 4.08% APY on balances up to $25,000 (1.00% for above) and refunds nationwide ATM fees up to $25 per...


Report an Issue
See Rates for: Checking | Savings | Money Market | CD | IRA

Checking Accounts

ApyMinMaxProduct
3.10%-$25kHigh Yield eChecking
0.10%--Classic Checking
0.10%--Medical Checking
0.10%--Business Checking
0.10%--Young Adult Checking
0.00%--CapEd Tunes Checking

Savings Accounts

ApyMinMaxProduct
1.56%--IRA Savings (59 1/2) Traditional
1.31%--IRA Roth/Trad
1.31%--IRA SEP/ESA
1.21%--Christmas Club Savings
0.40%--Regular Savings
0.40%--Medical Savings

Money Market Accounts

ApyMinMaxProduct
1.00%$75k-Money Market Saver Account
0.75%$75k-Money Market Checking Account

Certificates of Deposit

ApyMinMaxProduct
2.68%$50k-60 Month CD
2.68%$50k-60 Month Medical CD
2.37%$50k-48 - 59 Month CD
2.37%$50k-48 - 59 Month Medical CD
2.17%$50k-36 - 47 Month CD
2.17%$50k-36 - 47 Month Medical CD
1.71%$50k-24 - 35 Month CD
1.71%$50k-24 - 35 Month Medical CD
1.41%$250-12 Month Young Savers CD
1.41%$250-12 Month Young Savers Medical CD
1.36%$50k-18 - 23 Month CD
1.36%$50k-18 - 23 Month Medical CD
1.26%$50k-12 - 17 Month CD
1.26%$50k-12 - 17 Month Medical CD
1.11%$250-6 Month Young Savers CD
1.11%$250-6 Month Young Savers Medical CD
0.85%$50k-6 - 11 Month CD
0.85%$50k-6 - 11 Month Medical CD
0.70%$50k-91 - 179 Day CD
0.70%$50k-91 - 179 Day Medical CD

IRA Accounts

ApyMinMaxProduct
2.68%$50k-60 Month IRA
2.68%$50k-60 Month CESA
2.37%$50k-48 - 59 Month IRA
2.37%$50k-48 - 59 Month CESA
2.17%$50k-36 - 47 Month IRA
2.17%$50k-36 - 47 Month CESA
1.71%$50k-24 - 35 Month IRA
1.71%$50k-24 - 35 Month CESA
1.41%$250-12 Month Young Savers IRA
1.36%$50k-18 - 23 Month IRA
1.36%$50k-18 - 23 Month CESA
1.26%$50k-12 - 17 Month IRA
1.26%$50k-12 - 17 Month CESA
1.11%$250-6 Month Young Savers IRA
0.85%$50k-6 - 11 Month IRA
0.85%$50k-6 - 11 Month CESA
0.70%$50k-91 - 179 Day IRA
0.70%$50k-91 - 179 Day CESA

Institution Statistics


NCUA #1040
BankRate ReportView
Year Established1936
Employees91
Primary Regulator

Assets and Liabilities

Assets$250.27 million
Loans$116.52 million
Deposits$226.74 million
Equity Capital$21.59 million
Loan Loss Allowance$276,000
Unbacked Noncurrent Loans$80,000

Historic Data - March 2009

Assets$226.15 million
Equity Capital$25.22 million
Loan Loss Allowance$246,000
Unbacked Noncurrent Loans$146,000

Profit Margin - Quarterly

Net Interest Margin1.02%
Return on Assets1.26%
Return on Equity14.57%
Interest Income$2.20 million
Non-Interest Income$949,000

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio5
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 March 1, 2010 Capital Educators FCU had $80,000 in non-current loans and owned real-estate with $21.86 million in equity and loan loss allowances on hand to cover it. This gives Capital Educators FCU a Texas Ratio of 0.37% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Capital Educators FCU held steady from 0.57% as of March 1, 2009 to 0.37% as of March 1, 2010, resulting in a positive change of 36.17%.This indicates that the balance sheet and financial strength for Capital Educators FCU has held steady in recent periods.
Deposit Growth5
In the past year, Capital Educators FCU has increased it's total deposits by $29.87 million, resulting in 15.17% 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 Capital Educators FCU has shown is excellent.
Capitalization2
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. Capital Educators FCU has $250.27 million in assets with $21.86 million in equity, resulting in a capitalization level of 8.74%, which is below average.
Write Review

No reviews have been left for this bank yet. Be the first to review.


 

ad