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Overview / Commentary
1817 W Sylvester St
Pasco, WA 99301

Monad Credit Union is headquartered in Pasco and is the 83rd largest credit union in the state of Washington. It is also the 4,034th largest credit union in the nation. It was established in 1955 and as of December of 2013, it had grown to 6 employees and 3,132 members. Monad Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee of the Burlington/Northern Santa Fe Railroad or other select sponsors or be employed in the medical profession in the Tri- City Area. - 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. Monad Credit Union has a 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 Monad Credit Union had $43,000 in non-current loans and owned real-estate with $1.23 million in equity and loan loss allowances on hand to cover it. This gives Monad Credit Union a Texas Ratio of 3.50% 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 Monad Credit Union decreased dramatically from 12.23% as of December 31, 2012 to 3.50% as of December 31, 2013, resulting in a positive change of 71.37%.This indicates that the balance sheet and financial strength for Monad Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Monad Credit Union has increased its total deposits by $158,000, resulting in 1.29% 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 Monad 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. Monad Credit Union has $13.75 million in assets with $1.23 million in equity, resulting in a capitalization level of 8.93%, which is average.

Institution Statistics

NCUA #10332
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$13.75 million
Loans$5.10 million
Deposits$12.40 million
Equity Capital$1.18 million
Loan Loss Allowance$45,000
Unbacked Noncurrent Loans$43,000
Real Estate Owned$0
Historic Data - December 2012
Assets$13.55 million
Equity Capital$1.18 million
Loan Loss Allowance$67,000
Unbacked Noncurrent Loans$43,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.33%
Return on Assets-0.01%
Return on Equity-0.08%
Interest Income$394,000
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Monad Credit Union Savings Account Rates

0.10%--Membership Share Account
0.10%$2,500-Super Saver Account
0.10%$50-Christmas Club Account
0.10%$50-Vacation Club Account
0.10%--Johnny Appleseed Junior Ecology Club Account
0.10%--Teen Club Account

Monad Credit Union Locations
Branch Office1817 W Sylvester StPasco, WA 99301-4848