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Overview / Commentary
P.O. Box 1108
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 927th largest credit union in the nation. It was established in 1936 and as of December of 2013, it had grown to 58 employees and 17,808 members. Lacamas Community Credit Union has a A health rating.

Field of Membership Restrictions

Must live or work in Clark or Skamania County or be an employee of one of their Preferred Business Partners. - See Details

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Data for Q4 2013

Institution Health


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, 2013 Lacamas Community Credit Union had $160,000 in non-current loans and owned real-estate with $16.45 million in equity and loan loss allowances on hand to cover it. This gives Lacamas Community Credit Union a Texas Ratio of 0.97% 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 Lacamas Community Credit Union decreased dramatically from 5.22% as of December 31, 2012 to 0.97% as of December 31, 2013, resulting in a positive change of 81.35%.This indicates that the balance sheet and financial strength for Lacamas Community Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Lacamas Community Credit Union has increased its total deposits by $3.85 million, resulting in 2.22% 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 above average.



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 $196.49 million in assets with $16.45 million in equity, resulting in a capitalization level of 8.37%, which is average.

Institution Statistics

NCUA #68492
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$196.49 million
Loans$97.37 million
Deposits$177.63 million
Equity Capital$15.51 million
Loan Loss Allowance$938,000
Unbacked Noncurrent Loans$160,000
Real Estate Owned$0
Historic Data - December 2012
Assets$193.79 million
Equity Capital$17.22 million
Loan Loss Allowance$879,000
Unbacked Noncurrent Loans$160,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.94%
Return on Assets0.3%
Return on Equity3.82%
Interest Income$5.62 million

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Lacamas Community Credit Union Savings Account Rates

0.15%$50k-IRA High Yield Savings
0.15%$50k-Roth IRA High Yield Savings
0.15%$50k-SEP IRA High Yield Savings
0.15%$50k-Coverdell IRA High Yield Savings
0.05%$100-Business Savings
0.03%$100-Regular Savings
0.03%--Kids Club

Lacamas Community Credit Union Money Market Rates

0.20%$100k-Business Money Market
0.15%$50k-Money Market

Lacamas Community Credit Union Checking Account Rates

0.00%$500-Prestige Checking
0.00%$2,500-Ultimate Business Checking

Lacamas Community Credit Union CD Rates

0.95%$500-60 Month Share Certificate
0.65%$500-48 Month Share Certificate
0.60%$500-33 Month Share Certificate Special
0.60%$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

0.95%$500-60 Month IRA Certificate (Traditional,Roth,SEP,CESA)
0.65%$500-48 Month IRA Certificate (Traditional,Roth,SEP,CESA)
0.60%$500-36 Month IRA Certificate (Traditional,Roth,SEP,CESA)
0.25%$500-24 Month IRA Certificate (Traditional,Roth,SEP,CESA)
0.17%$500-18 Month IRA Certificate (Traditional,Roth,SEP,CESA)
0.10%$500-12 Month IRA Certificate (Traditional,Roth,SEP,CESA)
0.06%$500-6 Month IRA Certificate (Traditional,Roth,SEP,CESA)
0.03%$500-3 Month IRA Certificate (Traditional,Roth,SEP)
0.03%$500-3 Month CESA Certificate

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