Kamiah Community Credit Union

Kamiah Community Credit Union is headquartered in Kamiah and is the 20^th largest credit union in the state of Idaho. It is also the 2,329^th largest credit union in the nation. It was established in 1963 and as of December of 2011, it had grown to 14 employees and 4,932 members. Kamiah Community Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Kamiah Community Credit Union Routing Number: 323173193

Kamiah Community Credit Union Savings Account Rates

Kamiah Community Credit Union CD Rates

Kamiah Community Credit Union IRA Rates

Data for Q4 2011

Institution Statistics KAMIAH COMMUNITY NCUA # 65722 BankRate Report View Year Chartered 1963 Employees 14 Primary Regulator Assets and Liabilities Assets $46.58 million Loans $35.76 million Deposits $41.48 million Equity Capital $4.69 million Loan Loss Allowance $164,000 Unbacked Noncurrent Loans $140,000 Real Estate Owned $191,000 Historic Data - December 2010 Assets $40.58 million Equity Capital $4.08 million Loan Loss Allowance $135,000 Unbacked Noncurrent Loans $128,000 Real Estate Owned $41,000 Profit Margin - Quarterly Net Interest Margin 5.65% Return on Assets 1.31% Return on Equity 12.97% Interest Income $2.17 million Non-Interest Income $329,000

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 Kamiah Community Credit Union had $331,000 in non-current loans and owned real-estate with $4.85 million in equity and loan loss allowances on hand to cover it. This gives Kamiah Community Credit Union a Texas Ratio of 6.82% 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 Kamiah Community Credit Union held steady from 4.01% as of December 31, 2010 to 6.82% as of December 31, 2011, resulting in a negative change of 70.10%. This indicates that the balance sheet and financial strength for Kamiah Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Kamiah Community Credit Union has increased its total deposits by $5.36 million, resulting in 14.82% 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 Kamiah Community 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. Kamiah Community Credit Union has $46.58 million in assets with $4.85 million in equity, resulting in a capitalization level of 10.42%, which is above average.

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