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Overview / Commentary
925-331-1010
4041 Lone Tree Way Ste 100
Antioch, CA 94531

Dow Great Western Credit Union is headquartered in ANTIOCH and is the 222nd largest credit union in the state of California. It is also the 2,592nd largest credit union in the nation. It was established in 1938 and as of December of 2013, it had grown to 8 employees and 2,358 members. Dow Great Western Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Antioch, Brentwood, Oakley, Pittsburg, Bay Point, Bethel Island, Discovery Bay or Knightsen. - See Details

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Health

Data for Q4 2013

Institution Health

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

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 Dow Great Western Credit Union had $93,000 in non-current loans and owned real-estate with $4.4 million in equity and loan loss allowances on hand to cover it. This gives Dow Great Western Credit Union a Texas Ratio of 2.11% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Dow Great Western Credit Union experienced no significant changes from 0.27% as of December 31, 2012 to 2.11% as of December 31, 2013, resulting in a negative change of 689.26%. This indicates that the balance sheet and financial strength for Dow Great Western Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Dow Great Western Credit Union has decreased its total deposits by $-220,000, resulting in -0.63% 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 Dow Great Western Credit Union has shown is average.

Capitalization

GRADE:
A

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. Dow Great Western Credit Union has $38.96 million in assets with $4.4 million in equity, resulting in a capitalization level of 11.30%, which is excellent.

Institution Statistics

Overall
NCUA #64503
Year Chartered1938
Employees8
Primary Regulator
Assets and Liabilities
Assets$38.96 million
Loans$21.91 million
Deposits$34.84 million
Equity Capital$3.98 million
Loan Loss Allowance$420,000
Unbacked Noncurrent Loans$93,000
Real Estate Owned$0
Historic Data - December 2012
Assets$39.02 million
Equity Capital$3.85 million
Loan Loss Allowance$634,000
Unbacked Noncurrent Loans$93,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.62%
Return on Assets0.29%
Return on Equity2.84%
Interest Income$1.28 million
Rates

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

Dow Great Western Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$1k-Passbook IRA Account
0.10%$1k-Passbook Roth IRA Account
0.10%--Regular Share Savings Account

Dow Great Western Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$100k-Rate Chaser Money Market Account

Dow Great Western Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$100k-Interest Checking Account

Dow Great Western Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.51%$1k-3 Year Share Certificate
0.44%$1k-2 Year Share Certificate
0.25%$1k-6 Month Share Certificate
0.25%$1k-1 Year Share Certificate

Dow Great Western Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.25%$1k-1 Year IRA Certificate (Traditional,Roth)
Locations


Dow Great Western Credit Union Locations
Branch Office4041 Lone Tree Way Ste 100Antioch, CA 94531-6208
Branch Office901 Loveridge RdPittsburg, CA 94565