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Overview / Commentary
509-633-0830
P.O. Box 216
Coulee Dam, WA 99116

Coulee Dam Credit Union is headquartered in COULEE DAM and is the 38th largest credit union in the state of Washington. It is also the 1,416st largest credit union in the nation. It was established in 1941 and as of December of 2013, it had grown to 47 employees and 13,214 members. Coulee Dam Credit Union has a A health rating.

Field of Membership Restrictions

Must live or work in Douglas, Ferry, Grant, Okanogan, Pend Oreille or Steven County or within 50 miles of the Coulee Dam Post Office. - See Details

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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 Coulee Dam Credit Union had $401,000 in non-current loans and owned real-estate with $8.33 million in equity and loan loss allowances on hand to cover it. This gives Coulee Dam Credit Union a Texas Ratio of 4.81% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Coulee Dam Credit Union decreased dramatically from 7.71% as of December 31, 2012 to 4.81% as of December 31, 2013, resulting in a positive change of 37.57%.This indicates that the balance sheet and financial strength for Coulee Dam Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Coulee Dam Credit Union has increased its total deposits by $8.01 million, resulting in 8.84% 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

GRADE:
C-

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 $107.64 million in assets with $8.33 million in equity, resulting in a capitalization level of 7.74%, which is below average.

Institution Statistics

Overall
NCUA #4686
Year Chartered1941
Employees47
Primary Regulator
Assets and Liabilities
Assets$107.64 million
Loans$68.23 million
Deposits$98.64 million
Equity Capital$7.72 million
Loan Loss Allowance$611,000
Unbacked Noncurrent Loans$323,000
Real Estate Owned$78,000
Historic Data - December 2012
Assets$99.32 million
Equity Capital$7.62 million
Loan Loss Allowance$610,000
Unbacked Noncurrent Loans$323,000
Real Estate Owned$137,000
Profit Margin - Quarterly
Net Interest Margin5.4%
Return on Assets0.41%
Return on Equity5.71%
Interest Income$4.17 million
Rates
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Coulee Dam Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100-18 Month Installment Certificate ($25)
0.10%$200-18 Month Installment Certificate ($50)
0.10%$400-18 Month Installment Certificate ($100)
0.05%$100-Available Asset
0.05%--Christmas Club
0.05%--Regular Shares
0.05%--Vacation Club

Coulee Dam Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.01%$500-Premier Checking

Coulee Dam Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
0.75%$25k-60 Month IRA (Traditional,Roth)
0.50%$25k-48 Month IRA (Traditional,Roth)
0.25%$25k-36 Month IRA (Traditional,Roth)
0.20%$25k-24 Month IRA (Traditional,Roth)
0.15%$25k-6 Month IRA (Traditional,Roth)
0.15%$25k-12 Month IRA (Traditional,Roth)
Locations


Coulee Dam Credit Union Locations
Branch Office20 N 3RD STAlmira, WA 99103
Branch Office1130 COLUMBIA AVEBRIDGEPORT, WA 98813
Branch Office290 WATSON ST NWCRESTON, WA 99117-8518
Branch Office84 DELAWARE AVE ERepublic, WA 99166
Branch Office106 STATE AVE # 97BREWSTER, WA 98812-9642
Branch Office402 N COLUMBIA AVECOULEE DAM, WA 99116-1427
Branch Office323 S MAIN STOMAK, WA 98841-9718