Coulee Dam Credit Union

P.O. Box 216
Coulee Dam, WA 991160216
509.633.0830
www.cdfcu.com

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Coulee Dam Credit Union is headquartered in COULEE DAM and is the 39^th largest credit union in the state of Washington. It is also the 1,506^th largest credit union in the nation. It was established in 1941 and as of December of 2011, it had grown to 45 employees and 12,785 members. Coulee Dam Credit Union has a 5-star health rating.

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See Rates for: Checking | Savings | CD | IRA

Coulee Dam Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.01%	$500	-	Premier Checking

Coulee Dam Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Christmas Club
0.10%	$100	-	18 Month Installment Certificate ($25)
0.10%	$200	-	18 Month Installment Certificate ($50)
0.10%	-	-	18 Month Installment Certificate ($100)
0.05%	$100	-	Available Asset
0.05%	-	-	Regular Shares

Coulee Dam Credit Union CD Rates

Apy	Min	Max	Product
0.75%	$25k	-	60 Month CD
0.50%	$25k	-	48 Month CD
0.25%	$25k	-	36 Month CD
0.20%	$25k	-	24 Month CD
0.15%	$25k	-	6 Month CD
0.15%	$25k	-	12 Month CD

Coulee Dam Credit Union IRA Rates

Apy	Min	Max	Product
0.75%	$25k	-	60 Month IRA
0.75%	$25k	-	60 Month Roth IRA
0.50%	$25k	-	48 Month IRA
0.50%	$25k	-	48 Month Roth IRA
0.25%	$25k	-	36 Month IRA
0.25%	$25k	-	36 Month Roth IRA
0.20%	$25k	-	24 Month IRA
0.20%	$25k	-	24 Month Roth IRA
0.15%	$25k	-	6 Month IRA
0.15%	$25k	-	12 Month IRA
0.15%	$25k	-	6 Month Roth IRA
0.15%	$25k	-	12 Month Roth IRA

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

COULEE DAM
NCUA #	4686
BankRate Report	View
Year Chartered	1941
Employees	45
Primary Regulator
Assets and Liabilities
Assets	$92.28 million
Loans	$62.75 million
Deposits	$84.13 million
Equity Capital	$7.01 million
Loan Loss Allowance	$608,000
Unbacked Noncurrent Loans	$321,000
Historic Data - December 2010
Assets	$87.14 million
Equity Capital	$5.58 million
Loan Loss Allowance	$503,000
Unbacked Noncurrent Loans	$678,000
Real Estate Owned	$114,000
Profit Margin - Quarterly
Net Interest Margin	6.15%
Return on Assets	0.3%
Return on Equity	3.98%
Interest Income	$4.48 million
Non-Interest Income	$1.30 million

Institution Health

Overall Score:

5 out of 5

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, 2011 Coulee Dam Credit Union had $321,000 in non-current loans and owned real-estate with $7.62 million in equity and loan loss allowances on hand to cover it. This gives Coulee Dam Credit Union a Texas Ratio of 4.21% 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 Coulee Dam Credit Union decreased significantly from 13.03% as of December 31, 2010 to 4.21% as of December 31, 2011, resulting in a positive change of 67.64%.This indicates that the balance sheet and financial strength for Coulee Dam Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Coulee Dam Credit Union has increased its total deposits by $4.36 million, resulting in 5.47% 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 Coulee Dam Credit Union has shown is excellent.
Capitalization
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. Coulee Dam Credit Union has $92.28 million in assets with $7.62 million in equity, resulting in a capitalization level of 8.25%, which is average.

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