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Overview / Commentary
1626 17th St
Lewiston, ID 83501

Lewis Clark Credit Union is headquartered in Lewiston and is the 21st largest credit union in the state of Idaho. It is also the 2,316st largest credit union in the nation. It was established in 1939 and as of March of 2014, it had grown to 23 employees and 7,658 members. Lewis Clark Credit Union has a B health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Nez Perce, Latah, Lewis or Clearwater County in Idaho or Asotin County in Washington. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Lewis Clark Credit Union has a low asset base.

Texas Ratio


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 Lewis Clark Credit Union had $211,000 in non-current loans and owned real-estate with $5.35 million in equity and loan loss allowances on hand to cover it. This gives Lewis Clark Credit Union a Texas Ratio of 3.95% 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 Lewis Clark Credit Union decreased dramatically from 14.24% as of March 31, 2013 to 3.95% as of March 31, 2014, resulting in a positive change of 72.28%.This indicates that the balance sheet and financial strength for Lewis Clark Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Lewis Clark Credit Union has decreased its total deposits by -$1.38 million, resulting in -3.04% 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 Lewis Clark Credit Union has shown is below 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. Lewis Clark Credit Union has $49.12 million in assets with $5.35 million in equity, resulting in a capitalization level of 10.89%, which is above average.

Institution Statistics

NCUA #68386
Year Chartered1939
Primary Regulator
Assets and Liabilities
Assets$49.12 million
Loans$40.67 million
Deposits$44.05 million
Equity Capital$4.91 million
Loan Loss Allowance$433,000
Unbacked Noncurrent Loans$211,000
Real Estate Owned$0
Historic Data - March 2013
Assets$49.85 million
Equity Capital$4.31 million
Loan Loss Allowance$534,000
Unbacked Noncurrent Loans$211,000
Real Estate Owned$156,000
Profit Margin - Quarterly
Net Interest Margin1.38%
Return on Assets0.68%
Return on Equity6.84%
Interest Income$577,000
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Lewis Clark Credit Union Savings Account Rates

0.20%$25-Regular Share Account
0.20%$25-Club Account

Lewis Clark Credit Union CD Rates

1.51%--60 Month Share Certificate
0.90%--48 Month Share Certificate
0.75%--36 Month Share Certificate
0.65%--24 Month Share Certificate
0.50%--18 Month Share Certificate
0.35%--12 Month Share Certificate
0.25%--6 Month Share Certificate

Lewis Clark Credit Union IRA Rates

1.51%--60 Month IRA Certificate
0.90%--48 Month IRA Certificate
0.75%--36 Month IRA Certificate
0.65%--24 Month IRA Certificate
0.50%--18 Month IRA Certificate
0.35%--12 Month IRA Certificate
0.25%--6 Month IRA Certificate

Lewis Clark Credit Union Locations
Branch Office234 Johnson AveOrofino, ID 83544
Branch Office1451 15th StClarkston, WA 99403
Branch Office1626 17th StLewiston, ID 83501