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Overview / Commentary
200 SE Park Plaza Drive
Vancouver, WA 98684

Columbia Community Credit Union is headquartered in Vancouver and is the 10st largest credit union in the state of Washington. It is also the 224th largest credit union in the nation. It was established in 1952 and as of March of 2014, it had grown to 261 employees and 80,856 members. Columbia Community Credit Union has a A+ health rating.

Field of Membership Restrictions

Columbia Credit Union membership is open to individuals who live or work in, or have a family member who lives or works in Washington State or Jantzen Beach/Hayden Island. Businesses who have a company located in Washington State or if more than half of its owners or employees live or work in Washington State are also eligible for membership. - See Details

Reviews (1)

Overall Great Experiance

I switched to Columbia Credit Union from a mainstream bank several years ago and have been very happy with it. The service is great, and I never have to wait long to talk to anyone, and I never pay any fees for my accounts. Their website has greatly improved recently and so has they're mobile app. Sometimes I have issues linking my account to some e-commerce sites like PayPal and Amazon, but I've always been able to get that resolved by contacting that services customer service. Plus, it feels good to keep my money in the local economy.


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 Columbia Community Credit Union had $7.2 million in non-current loans and owned real-estate with $121.66 million in equity and loan loss allowances on hand to cover it. This gives Columbia Community Credit Union a Texas Ratio of 5.91% 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 Columbia Community Credit Union decreased dramatically from 12.15% as of March 31, 2013 to 5.91% as of March 31, 2014, resulting in a positive change of 51.35%.This indicates that the balance sheet and financial strength for Columbia Community Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Columbia Community Credit Union has increased its total deposits by $48.38 million, resulting in 5.97% 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 Columbia 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. Columbia Community Credit Union has $982.27 million in assets with $121.66 million in equity, resulting in a capitalization level of 12.39%, which is excellent.

Institution Statistics

NCUA #68186
Year Chartered1952
Primary Regulator
Assets and Liabilities
Assets$982.27 million
Loans$695.23 million
Deposits$858.17 million
Equity Capital$110.66 million
Loan Loss Allowance$11.00 million
Unbacked Noncurrent Loans$2.76 million
Real Estate Owned$4.44 million
Historic Data - March 2013
Assets$923.39 million
Equity Capital$98.46 million
Loan Loss Allowance$15.38 million
Unbacked Noncurrent Loans$2.76 million
Real Estate Owned$6.57 million
Profit Margin - Quarterly
Return on Assets1.04%
Return on Equity9.25%
Interest Income$8.36 million

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Columbia Community Credit Union Savings Account Rates

0.20%$50k-IRA Savings
0.20%$50k-Roth IRA Savings
0.20%$50k-CESA Savings
0.03%--Achievers Club Savings
0.03%$50-Holiday Club Savings
0.03%$100-Business Regular Savings

Columbia Community Credit Union Money Market Rates

0.23%$100k-Money Market Account w/ Bonus Dividend Plan
0.20%$500k-Business Money Market Account
0.18%$100k-Personal Money Market Account

Columbia Community Credit Union Checking Account Rates

0.20%$250k-High Yield Business Checking
0.03%--Income Checking
0.03%--Plus Business Checking

Columbia Community Credit Union CD Rates

1.15%$250k-Business 5 Year CD
1.10%$100k-5 Year CD
0.85%$250k-Business 4 Year CD
0.80%$100k-4 Year CD
0.80%$250k-Business 3 Year CD
0.75%$100k-3 Year CD
0.45%$250k-Business 24 Month CD
0.45%$250k-Business 30 Month CD
0.40%$100k-24 Month CD
0.40%$100k-30 Month CD
0.37%$250k-Business 18 Month CD
0.32%$100k-18 Month CD
0.32%$250k-Business 12 Month CD
0.27%$100k-12 Month CD
0.27%$100k-12 Month Achievers Club
0.26%$250k-Business 6 Month CD
0.23%$250k-Business 3 Month CD
0.21%$100k-6 Month CD
0.18%$100k-3 Month CD

Columbia Community Credit Union IRA Rates

1.10%$100k-5 Year IRA
0.80%$100k-4 Year IRA
0.75%$100k-3 Year IRA
0.40%$100k-24 Month IRA
0.40%$100k-30 Month IRA
0.32%$100k-18 Month IRA
0.27%$100k-12 Month IRA
0.27%$100k-12 Month Achievers Club IRA
0.21%$100k-6 Month IRA
0.18%$100k-3 Month IRA

Columbia Community Credit Union has 14 locations. Click to view all Columbia Community Credit Union locations.