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P.O. Box 870
Dupont, WA 98327

Community 1St Credit Union is headquartered in Dupont and is the 37th largest credit union in the state of Washington. It is also the 1,398th largest credit union in the nation. It was established in 1934 and as of March of 2014, it had grown to 32 employees and 9,252 members. Community 1St Credit Union has a A health rating.

Field of Membership Restrictions

Membership is open to anyone who lives, works, worships or attends school in the State of Washington. Also eligible for C1CU membership are current and retired employees or union members of the U.S. Postal Service that have a residence in the U.S, current and retired civil service employees, current and retired employees of the U.S. Government, and anyone with active, reserve and retired military membership. With only $5, you can open your share account and establish membership. And, even if you move to another state, you can keep all your accounts and continue enjoying the benefits of your C1CU membership. - 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 Community 1St Credit Union had $452,000 in non-current loans and owned real-estate with $17.03 million in equity and loan loss allowances on hand to cover it. This gives Community 1St Credit Union a Texas Ratio of 2.65% 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 Community 1St Credit Union decreased dramatically from 3.87% as of March 31, 2013 to 2.65% as of March 31, 2014, resulting in a positive change of 31.47%.This indicates that the balance sheet and financial strength for Community 1St Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Community 1St Credit Union has decreased its total deposits by -$2.81 million, resulting in -2.92% 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 Community 1St Credit Union has shown is below average.



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. Community 1St Credit Union has $112.65 million in assets with $17.03 million in equity, resulting in a capitalization level of 15.12%, which is excellent.

Institution Statistics

NCUA #60079
Year Chartered1934
Primary Regulator
Assets and Liabilities
Assets$112.65 million
Loans$60.92 million
Deposits$93.50 million
Equity Capital$16.71 million
Loan Loss Allowance$322,000
Unbacked Noncurrent Loans$425,000
Real Estate Owned$27,000
Historic Data - March 2013
Assets$115.57 million
Equity Capital$17.02 million
Loan Loss Allowance$489,000
Unbacked Noncurrent Loans$425,000
Real Estate Owned$27,000
Profit Margin - Quarterly
Return on Assets0.29%
Return on Equity1.96%
Interest Income$829,000

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Community 1St Credit Union Savings Account Rates

0.15%$500-IRA Share Account
0.15%$500-CESA Share Account
0.15%$500-Roth IRA Share Account

Community 1St Credit Union Money Market Rates

0.40%--Money Market Promo
0.20%$50k-Premier Money Manager
0.15%$25k-Money Manager Plus
0.10%$5k-Classic Money Manager

Community 1St Credit Union Checking Account Rates

0.05%$500-Share Draft/Checking

Community 1St Credit Union CD Rates

0.75%$50k-60 Month CD
0.65%$50k-48 Month CD
0.55%$50k-36 Month CD
0.50%$50k-24 Month CD
0.45%$50k-12 Month CD
0.25%$50k-6 Month CD
0.10%$1k-3 Month CD

Community 1St Credit Union IRA Rates

0.80%$50k-60 Month IRA
0.70%$50k-48 Month IRA
0.60%$50k-36 Month IRA
0.50%$50k-24 Month IRA
0.35%$50k-12 Month IRA
0.30%$50k-6 Month IRA
0.15%$1k-3 Month IRA

Community 1St Credit Union Locations
Branch Office955 Ross Loop Suite 100Dupont, WA 98327
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Branch Office19240 Aurora Ave N Ste BShoreline, WA 98133-2934
Branch Office215 Wilkes St Suite 105Steilacoom, WA 98388
Branch Office10700 27th Ave SSeattle, WA 98168