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301 S. 7th Street
Sunnyside, WA 98944

Lower Valley Credit Union is headquartered in SUNNYSIDE and is the 46th largest credit union in the state of Washington. It is also the 2,032nd largest credit union in the nation. It was established in 1958 and as of December of 2013, it had grown to 24 employees and 8,443 members. Lower Valley Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in Lower Valley Credit Union is open to all who live, work, worship, or go to school within a school district located in the State of Washington. Membership also includes relatives of those listed above. - See Details

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Data for Q4 2013

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. Lower Valley Credit Union has a relatively low asset base.

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 Lower Valley Credit Union had $311,000 in non-current loans and owned real-estate with $7.57 million in equity and loan loss allowances on hand to cover it. This gives Lower Valley Credit Union a Texas Ratio of 4.11% 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 Lower Valley Credit Union experienced no significant changes from 2.55% as of December 31, 2012 to 4.11% as of December 31, 2013, resulting in a negative change of 61.19%. This indicates that the balance sheet and financial strength for Lower Valley Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Lower Valley Credit Union has increased its total deposits by $1.04 million, resulting in 1.99% 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 Lower Valley 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. Lower Valley Credit Union has $61.36 million in assets with $7.57 million in equity, resulting in a capitalization level of 12.33%, which is excellent.

Institution Statistics

NCUA #68304
Year Chartered1958
Primary Regulator
Assets and Liabilities
Assets$61.36 million
Loans$40.42 million
Deposits$53.51 million
Equity Capital$7.35 million
Loan Loss Allowance$222,000
Unbacked Noncurrent Loans$311,000
Real Estate Owned$0
Historic Data - December 2012
Assets$60.17 million
Equity Capital$6.98 million
Loan Loss Allowance$155,000
Unbacked Noncurrent Loans$311,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin7.42%
Return on Assets0.72%
Return on Equity6.03%
Interest Income$3.50 million
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Lower Valley Credit Union Savings Account Rates

0.10%$50-Passbook Savings

Lower Valley Credit Union CD Rates

2.01%$500-60 Month Share Certificate
1.56%$500-36 Month Share Certificate
0.90%$500-24 Month Share Certificate
0.85%$500-18 Month Share Certificate
0.55%$500-12 Month Share Certificate
0.45%$500-6 Month Share Certificate
0.25%$500-3 Month Share Certificate

Lower Valley Credit Union IRA Rates

2.01%$500-60 Month IRA Certificate (Traditional,Roth)
1.56%$500-36 Month IRA Certificate (Traditional,Roth)
0.90%$500-24 Month IRA Certificate (Traditional,Roth)
0.85%$500-18 Month IRA Certificate (Traditional,Roth)
0.55%$500-12 Month IRA Certificate (Traditional,Roth)
0.45%$500-6 Month IRA Certificate (Traditional,Roth)

Lower Valley Credit Union Locations
Branch Office580 Wine Country RdProsser, WA 99350-9548
Branch Office1019 W Wine Country RdGrandview, WA 98930
Branch Office301 S 7th StSunnyside, WA 98944-1502