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Overview / Commentary
18600 SE McLoughlin Blvd
Milwaukie, OR 97267

Clackamas Community Credit Union is headquartered in Milwaukie and is the 13st largest credit union in the state of Oregon. It is also the 773rd largest credit union in the nation. It was established in 1957 and as of March of 2014, it had grown to 71 employees and 29,363 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 Q1 2014

Institution Health


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 Clackamas Community Credit Union had $1.31 million in non-current loans and owned real-estate with $25.13 million in equity and loan loss allowances on hand to cover it. This gives Clackamas Community Credit Union a Texas Ratio of 5.23% 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 decreased slightly from 6.24% as of March 31, 2013 to 5.23% as of March 31, 2014, resulting in a positive change of 16.25%.This indicates that the balance sheet and financial strength for Clackamas Community Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Clackamas Community Credit Union has increased its total deposits by $12.32 million, resulting in 5.45% 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 $263.39 million in assets with $25.13 million in equity, resulting in a capitalization level of 9.54%, which is above average.

Institution Statistics

NCUA #11793
Year Chartered1957
Primary Regulator
Assets and Liabilities
Assets$263.39 million
Loans$158.49 million
Deposits$238.35 million
Equity Capital$23.91 million
Loan Loss Allowance$1.22 million
Unbacked Noncurrent Loans$1.31 million
Real Estate Owned$0
Historic Data - March 2013
Assets$250.44 million
Equity Capital$22.35 million
Loan Loss Allowance$1.95 million
Unbacked Noncurrent Loans$1.31 million
Real Estate Owned$76,000
Profit Margin - Quarterly
Net Interest Margin1.23%
Return on Assets1.33%
Return on Equity14.62%
Interest Income$2.40 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

0.15%$50k-Money Market Account
0.15%$50k-Business Money Market Account

Clackamas Community Credit Union Checking Account Rates

0.07%$800-Dividend Checking
0.07%$5k-Business Dividend Checking

Clackamas Community Credit Union CD Rates

1.05%$500-60 Month Share Certificate
0.78%$500-48 Month Share Certificate
0.52%$500-36 Month Share Certificate
0.43%$500-24 Month Share Certificate
0.30%$500-12 Month Share Certificate
0.30%$250-12 Month Youth Share Certificate
0.22%$500-6 Month Share Certificate
0.11%$10k$10k3 Month Share Certificate

Clackamas Community Credit Union IRA Rates

1.05%$500-60 Month IRA Certificate
0.78%$500-48 Month IRA Certificate
0.52%$500-36 Month IRA Certificate
0.43%$500-24 Month IRA Certificate
0.30%$500-12 Month IRA Certificate

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