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Overview / Commentary
P.O. Box 2020
Oregon City, OR 97045

Clackamas Community Credit Union is headquartered in OREGON CITY and is the 13st largest credit union in the state of Oregon. It is also the 776th largest credit union in the nation. It was established in 1957 and as of December of 2013, it had grown to 74 employees and 29,098 members. Clackamas Community Credit Union has a A health rating.

Field of Membership Restrictions

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

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Data for Q4 2013

Institution Health


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 Clackamas Community Credit Union had $1.82 million in non-current loans and owned real-estate with $23.91 million in equity and loan loss allowances on hand to cover it. This gives Clackamas Community Credit Union a Texas Ratio of 7.61% 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 Clackamas Community Credit Union experienced no significant changes from 3.57% as of December 31, 2012 to 7.61% as of December 31, 2013, resulting in a negative change of 113.23%. This indicates that the balance sheet and financial strength for Clackamas Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Clackamas Community Credit Union has increased its total deposits by $11.38 million, resulting in 5.21% 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 Clackamas Community 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. Clackamas Community Credit Union has $253.23 million in assets with $23.91 million in equity, resulting in a capitalization level of 9.44%, which is average.

Institution Statistics

NCUA #11793
Year Chartered1957
Primary Regulator
Assets and Liabilities
Assets$253.23 million
Loans$156.56 million
Deposits$229.82 million
Equity Capital$22.45 million
Loan Loss Allowance$1.46 million
Unbacked Noncurrent Loans$1.69 million
Real Estate Owned$135,000
Historic Data - December 2012
Assets$242.30 million
Equity Capital$22.84 million
Loan Loss Allowance$1.62 million
Unbacked Noncurrent Loans$1.69 million
Real Estate Owned$57,000
Profit Margin - Quarterly
Net Interest Margin4.79%
Return on Assets0.44%
Return on Equity4.96%
Interest Income$8.79 million

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Clackamas Community Credit Union Savings Account Rates

0.13%$50k-IRA Savings
0.13%$50k-SEP IRA Savings
0.13%$50k-Roth IRA Savings
0.13%$50k-Coverdell ESA
0.13%$50k-Deferred Compensation Account
0.10%--Regular Share Savings
0.10%$2,500-High-Yield Account
0.10%--Business Savings

Clackamas Community Credit Union Money Market Rates

0.13%$50k-Money Market Account
0.13%$50k-Business Money Market Account

Clackamas Community Credit Union Checking Account Rates

0.05%$800-Dividend Checking
0.05%$5k-Business Dividend Checking

Clackamas Community Credit Union CD Rates

1.01%$500-60 Month Share Certificate
0.75%$500-48 Month Share Certificate
0.50%$500-36 Month Share Certificate
0.40%$500-24 Month Share Certificate
0.25%$500-12 Month Share Certificate
0.25%$250-12 Month Youth Share Certificate
0.20%$500-6 Month Share Certificate
0.10%$10k$10k3 Month Share Certificate

Clackamas Community Credit Union IRA Rates

1.01%$500-60 Month IRA Certificate (Traditional,CESA,Roth)
0.75%$500-48 Month IRA Certificate (Traditional,CESA,Roth)
0.50%$500-36 Month IRA Certificate (Traditional,CESA,Roth)
0.40%$500-24 Month IRA Certificate (Traditional,CESA,Roth)
0.25%$500-12 Month IRA Certificate (Traditional,CESA,Roth)

Clackamas Community Credit Union Locations
Branch Office22000 Salamo RdWest linn, OR 97068
Branch Office18600 SE McLoughlin BlvdMilwaukie, OR 97267
Branch Office270 Warner Milne RDOregon City, OR 97045-4044
Branch Office184 N Grant StCanby, OR 97013-3628
Branch Office1525 W Main StMolalla, OR 97038
Branch Office37077 Highway 26Sandy, OR 97055