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Overview / Commentary
888-834-3611
236 NE 4th Ave
Camas, WA 98607

Lacamas Community Credit Union is headquartered in Camas and is the 28th largest credit union in the state of Washington. It is also the 945th largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 59 employees and 17,973 members. Lacamas Community Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship, or attend school in Washington.An employee of one of our Preferred Business Partners. - See Details

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
A+

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 Lacamas Community Credit Union had $118,000 in non-current loans and owned real-estate with $17.02 million in equity and loan loss allowances on hand to cover it. This gives Lacamas Community Credit Union a Texas Ratio of 0.69% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Lacamas Community Credit Union decreased dramatically from 2.78% as of March 31, 2013 to 0.69% as of March 31, 2014, resulting in a positive change of 75.08%.This indicates that the balance sheet and financial strength for Lacamas Community Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Lacamas Community Credit Union has decreased its total deposits by -$1.32 million, resulting in -0.73% 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 Lacamas Community Credit Union has shown is average.

Capitalization

GRADE:
C

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. Lacamas Community Credit Union has $197.71 million in assets with $17.02 million in equity, resulting in a capitalization level of 8.61%, which is average.

Institution Statistics

Overall
NCUA #68492
Year Chartered1936
Employees59
Primary Regulator
Assets and Liabilities
Assets$197.71 million
Loans$98.09 million
Deposits$178.80 million
Equity Capital$16.30 million
Loan Loss Allowance$721,000
Unbacked Noncurrent Loans$118,000
Real Estate Owned$0
Historic Data - March 2013
Assets$200.88 million
Equity Capital$17.13 million
Loan Loss Allowance$807,000
Unbacked Noncurrent Loans$118,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.16%
Return on Assets0.62%
Return on Equity7.56%
Interest Income$1.40 million
Rates
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Lacamas Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$25k-IRA High Yield Savings
0.10%$25k-Roth IRA High Yield Savings
0.10%$25k-SEP IRA High Yield Savings
0.10%$25k-Coverdell IRA High Yield Savings
0.03%$100-Regular Savings
0.03%--Kids Club
0.03%$100-Business Savings

Lacamas Community Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$50k-Business Money Market
0.10%$25k-Money Market

Lacamas Community Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.80%$500-60 Month Share Certificate
0.50%$500-48 Month Share Certificate
0.45%$500-33 Month Share Certificate Special
0.45%$500-36 Month Share Certificate
0.25%$500-24 Month Share Certificate
0.17%$500-18 Month Share Certificate
0.10%$500-12 Month Share Certificate
0.06%$500-6 Month Share Certificate
0.03%$500-3 Month Share Certificate

Lacamas Community Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.80%$500-60 Month IRA Certificate
0.50%$500-48 Month IRA Certificate
0.45%$500-36 Month IRA Certificate
0.25%$500-24 Month IRA Certificate
0.17%$500-18 Month IRA Certificate
0.10%$500-12 Month IRA Certificate
0.06%$500-6 Month IRA Certificate
0.03%$500-3 Month IRA Certificate
0.03%$500-3 Month CESA Certificate
Locations


Lacamas Community Credit Union Locations
Branch Office640 E StWashougal, WA 98671
Branch Office19200 SE 31st DrCamas, WA 98607-8825
Branch Office615A SE Chkalov DrVancouver, WA 98683-5233
Branch Office90 SW Russell AveStevenson, WA 98648
Branch Office403 NE 5th AveCamas, WA 98607
Branch Office15705 NE Fourth Plain BlvdVancouver, WA 98682-4315
Branch Office236 NE 4th AveCamas, WA 98607