IBEW & United Workers Credit Union

IBEW & United Workers Credit Union Locations

PO Box 16877
Portland, OR 97292
1-800-356-6507
www.ibewuwfcu.com

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IBEW & United Workers Credit Union is headquartered in Portland and is the 34^th largest credit union in the state of Oregon. It is also the 1,872^nd largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 18 employees and 12,641 members. IBEW & United Workers Credit Union has a 5-star health rating.

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See Rates for: Checking | Savings | CD | IRA

IBEW & United Workers Credit Union Checking Account Rates

Apy	Min	Max	Product
0.30%	$10k	-	Interest Checking Account
0.30%	$50k	-	Union Local Checking Account

IBEW & United Workers Credit Union Savings Account Rates

Apy	Min	Max	Product
0.38%	$100k	-	Invest Account
0.25%	$100	-	IRA Shares Account
0.15%	$100	-	Holiday Club Account
0.15%	$100	-	Tax Club Account
0.10%	$100	-	Regular Shares Account

IBEW & United Workers Credit Union CD Rates

Apy	Min	Max	Product
1.31%	$100k	-	60 Month Jumbo Plus Share Certificate
1.26%	$50k	-	60 Month Jumbo Share Certificate
1.21%	$500	-	60 Month Share Certificate
1.16%	$50k	-	48 Month Jumbo Share Certificate
1.11%	$100k	-	48 Month Jumbo Plus Share Certificate
1.00%	$500	-	48 Month Share Certificate
0.90%	$100k	-	36 Month Jumbo Plus Share Certificate
0.85%	$50k	-	36 Month Jumbo Share Certificate
0.80%	$500	-	36 Month Share Certificate
0.65%	$100k	-	24 Month Jumbo Plus Share Certificate
0.60%	$50k	-	24 Month Jumbo Share Certificate
0.55%	$500	-	24 Month Share Certificate
0.35%	$100k	-	12 Month Jumbo Plus Share Certificate
0.30%	$500	-	18 Month Share Certificate
0.30%	$50k	-	12 Month Jumbo Share Certificate
0.20%	$500	-	12 Month Share Certificate
0.15%	$500	-	6 Month Share Certificate

IBEW & United Workers Credit Union IRA Rates

Apy	Min	Max	Product
1.31%	$100k	-	60 Month Jumbo Plus IRA Share Certificate
1.31%	$100k	-	60 Month Jumbo Plus Roth IRA Share Certificate
1.31%	$100k	-	60 Month Jumbo Plus IRA Share Certificate
1.26%	$50k	-	60 Month Jumbo IRA Share Certificate
1.26%	$50k	-	60 Month Jumbo Roth IRA Share Certificate
1.26%	$50k	-	60 Month Jumbo Education IRA Share Certificate
1.21%	$500	-	60 Month IRA Share Certificate
1.21%	$500	-	60 Month Roth IRA Share Certificate
1.21%	$500	-	60 Month Education IRA Share Certificate
1.16%	$50k	-	48 Month Jumbo IRA Share Certificate
1.16%	$50k	-	48 Month Jumbo Roth IRA Share Certificate
1.16%	$50k	-	48 Month Jumbo Education IRA Share Certificate
1.11%	$100k	-	48 Month Jumbo Plus IRA Share Certificate
1.11%	$100k	-	48 Month Jumbo Plus Roth IRA Share Certificate
1.11%	$100k	-	48 Month Jumbo Plus IRA Share Certificate
1.00%	$500	-	48 Month IRA Share Certificate
1.00%	$500	-	48 Month Roth IRA Share Certificate
1.00%	$500	-	48 Month Education IRA Share Certificate
0.90%	$100k	-	36 Month Jumbo Plus IRA Share Certificate
0.90%	$100k	-	36 Month Jumbo Plus Roth IRA Share Certificate
0.90%	$100k	-	36 Month Jumbo Plus IRA Share Certificate
0.85%	$50k	-	36 Month Jumbo IRA Share Certificate
0.85%	$50k	-	36 Month Jumbo Roth IRA Share Certificate
0.85%	$50k	-	36 Month Jumbo Education IRA Share Certificate
0.80%	$500	-	36 Month IRA Share Certificate
0.80%	$500	-	36 Month Roth IRA Share Certificate
0.80%	$500	-	36 Month Education IRA Share Certificate
0.65%	$100k	-	24 Month Jumbo Plus IRA Share Certificate
0.65%	$100k	-	24 Month Jumbo Plus Roth IRA Share Certificate
0.65%	$100k	-	24 Month Jumbo Plus IRA Share Certificate
0.60%	$50k	-	24 Month Jumbo IRA Share Certificate
0.60%	$50k	-	24 Month Jumbo Roth IRA Share Certificate
0.60%	$50k	-	24 Month Jumbo Education IRA Share Certificate
0.55%	$500	-	24 Month IRA Share Certificate
0.55%	$500	-	24 Month Roth IRA Share Certificate
0.55%	$500	-	24 Month Education IRA Share Certificate
0.35%	$100k	-	12 Month Jumbo Plus IRA Share Certificate
0.35%	$100k	-	12 Month Jumbo Plus Roth IRA Share Certificate
0.35%	$100k	-	12 Month Jumbo Plus Education IRA Share Certificate
0.30%	$500	-	18 Month IRA Share Certificate
0.30%	$50k	-	12 Month Jumbo IRA Share Certificate
0.30%	$50k	-	12 Month Jumbo Roth IRA Share Certificate
0.30%	$500	-	18 Month Roth IRA Share Certificate
0.30%	$500	-	18 Month Education IRA Share Certificate
0.30%	$50k	-	12 Month Jumbo Education IRA Share Certificate
0.20%	$500	-	12 Month IRA Share Certificate
0.20%	$500	-	12 Month Roth IRA Share Certificate
0.20%	$500	-	12 Month Education IRA Share Certificate
0.15%	$500	-	6 Month IRA Share Certificate
0.15%	$500	-	6 Month Roth IRA Share Certificate
0.15%	$500	-	6 Month Education IRA Share Certificate

Rates updated: 5/26/2012

Data for Q4 2011

Institution Statistics

IBEW & UNITED WORKERS
NCUA #	9483
BankRate Report	View
Year Chartered	1954
Employees	18
Primary Regulator
Assets and Liabilities
Assets	$67.02 million
Loans	$30.94 million
Deposits	$61.80 million
Equity Capital	$5.19 million
Loan Loss Allowance	$190,000
Unbacked Noncurrent Loans	$281,000
Historic Data - December 2010
Assets	$62.51 million
Equity Capital	$5.17 million
Loan Loss Allowance	$263,000
Unbacked Noncurrent Loans	$332,000
Profit Margin - Quarterly
Net Interest Margin	5.51%
Return on Assets	0.02%
Return on Equity	0.31%
Interest Income	$2.51 million
Non-Interest Income	$585,000

Institution Health

Overall Score:

5 out of 5

Texas Ratio
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, 2011 IBEW & United Workers Credit Union had $281,000 in non-current loans and owned real-estate with $5.38 million in equity and loan loss allowances on hand to cover it. This gives IBEW & United Workers Credit Union a Texas Ratio of 5.23% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for IBEW & United Workers Credit Union held steady from 6.11% as of December 31, 2010 to 5.23% as of December 31, 2011, resulting in a positive change of 14.50%.This indicates that the balance sheet and financial strength for IBEW & United Workers Credit Union has held steady in recent periods.
Deposit Growth
In the past year, IBEW & United Workers Credit Union has increased its total deposits by $4.49 million, resulting in 7.84% 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 IBEW & United Workers Credit Union has shown is excellent.
Capitalization
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. IBEW & United Workers Credit Union has $67.02 million in assets with $5.38 million in equity, resulting in a capitalization level of 8.02%, which is average.

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