Dow Great Western Credit Union

Dow Great Western Credit Union Locations
4041 Lone Tree Way -Ste 100
Antioch, CA 94531
925-331-1010
www.dowcu.org

NCUA


Dow Great Western Credit Union is headquartered in Antioch and is the 227th largest credit union in the state of California. It is also the 2,595th largest credit union in the nation. It was established in 1938 and as of December of 2012, it had grown to 8 employees and 2,359 members. Dow Great Western Credit Union has a 5-star health rating.



See Rates for: Checking | Savings | Money Market | CD | IRA

Dow Great Western Credit Union Checking Account Rates

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0.25%$100k-Interest Checking Account

Dow Great Western Credit Union Savings Account Rates

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0.10%$1k-Passbook IRA Account
0.10%$1k-Passbook Roth IRA Account
0.10%$20-Regular Share Savings Account

Dow Great Western Credit Union Money Market Rates

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0.25%$100k-Rate Chaser Money Market Account

Dow Great Western Credit Union CD Rates

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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

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0.25%$1k-1 Year IRA Certificate
0.25%$1k-1 Year Roth IRA Certificate

Rates updated: 5/19/2013

Data for Q4 2012


Institution Statistics


DOW GREAT WESTERN
NCUA #64503
BankRate ReportView
Year Chartered1938
Employees8
Primary Regulator

Assets and Liabilities

Assets$39.02 million
Loans$24.76 million
Deposits$35.06 million
Equity Capital$3.85 million
Loan Loss Allowance$634,000
Unbacked Noncurrent Loans$12,000

Historic Data - December 2011

Assets$38.44 million
Equity Capital$3.92 million
Loan Loss Allowance$601,000

Profit Margin - Quarterly

Net Interest Margin4.63%
Return on Assets0.26%
Return on Equity2.68%
Interest Income$1.44 million
Non-Interest Income$167,000

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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, 2012 Dow Great Western Credit Union had $12,000 in non-current loans and owned real-estate with $4.48 million in equity and loan loss allowances on hand to cover it. This gives Dow Great Western Credit Union a Texas Ratio of 0.27% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth4
In the past year, Dow Great Western Credit Union has increased its total deposits by $652,000, resulting in 1.89% 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 above average.
Capitalization4
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 $39.02 million in assets with $4.48 million in equity, resulting in a capitalization level of 11.49%, which is above average.
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