Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
509-963-1995
400 E University Way Farrell Hall 123
Ellensburg, WA 98926

CWU Credit Union is headquartered in Ellensburg and is the 104th largest credit union in the state of Washington. It is also the 5,758th largest credit union in the nation. It was established in 1966 and as of March of 2014, it had grown to 456 members. CWU Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be an employee or retiree of Central Washington University. - See Details

No reviews have been left for this bank yet. Be the first to review.



Health

Data for Q1 2014

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. CWU Credit Union has a very low asset base.

Texas Ratio

GRADE:
A+

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 CWU Credit Union had $6,000 in non-current loans and owned real-estate with $268,000 in equity and loan loss allowances on hand to cover it. This gives CWU Credit Union a Texas Ratio of 2.24% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
A

In the past year, CWU Credit Union has increased its total deposits by $101,000, resulting in 4.43% 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 CWU Credit Union has shown is excellent.

Capitalization

GRADE:
B+

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. CWU Credit Union has $2.64 million in assets with $268,000 in equity, resulting in a capitalization level of 10.14%, which is above average.

Institution Statistics

Overall
NCUA #17690
Year Chartered1966
Employees0
Primary Regulator
Assets and Liabilities
Assets$2.64 million
Loans$675,000
Deposits$2.38 million
Equity Capital$263,000
Loan Loss Allowance$5,000
Unbacked Noncurrent Loans$6,000
Real Estate Owned$0
Historic Data - March 2013
Assets$2.57 million
Equity Capital$287,000
Loan Loss Allowance$5,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.44%
Return on Assets-0.91%
Return on Equity-9.13%
Interest Income$14,000
Rates
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not CWU Credit Union, we are a rate comparison website and can not provide official rates or promotions.

CWU Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.11%--Share Savings Account

CWU Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.51%$1k$50k24 Month CD
0.31%$1k$50k12 Month CD
0.26%$1k$50k6 Month CD
Locations


CWU Credit Union Locations
Branch Office400 E University Way Farrell Hall 123Ellensburg, WA 98926