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Overview / Commentary
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

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Data for Q1 2014

Institution Health

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


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


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.



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

NCUA #17690
Year Chartered1966
Primary Regulator
Assets and Liabilities
Assets$2.64 million
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
Return on Assets-0.91%
Return on Equity-9.13%
Interest Income$14,000
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CWU Credit Union Savings Account Rates

0.11%--Share Savings Account

CWU Credit Union CD Rates

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

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