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Overview / Commentary
541-686-2934
P.O. Box 70225
Eugene, OR 97401

Northwest Community CU (OR) is headquartered in EUGENE and is the 7th largest credit union in the state of Oregon. It is also the 263rd largest credit union in the nation. It was established in 1949 and as of December of 2013, it had grown to 249 employees and 87,505 members. Northwest Community CU (OR) has a A health rating.

Field of Membership Restrictions

Must live or work in Benton, Clackamas, Coos, Crook, Deschutes, Douglas, Jackson, Jefferson, Josephine, Lane, Linn, Klamath, Marion, Multnomah or Washington county. - See Details

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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 Northwest Community CU (OR) had $6.65 million in non-current loans and owned real-estate with $85.5 million in equity and loan loss allowances on hand to cover it. This gives Northwest Community CU (OR) a Texas Ratio of 7.78% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Northwest Community CU (OR) decreased slightly from 9.32% as of December 31, 2012 to 7.78% as of December 31, 2013, resulting in a positive change of 16.54%.This indicates that the balance sheet and financial strength for Northwest Community CU (OR) has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Northwest Community CU (OR) has increased its total deposits by $57.3 million, resulting in 8.34% 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 Northwest Community CU (OR) has shown is excellent.

Capitalization

GRADE:
B+

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. Northwest Community CU (OR) has $831.03 million in assets with $85.5 million in equity, resulting in a capitalization level of 10.29%, which is above average.

Institution Statistics

Overall
NCUA #61716
Year Chartered1949
Employees249
Primary Regulator
Assets and Liabilities
Assets$831.03 million
Loans$735.75 million
Deposits$744.54 million
Equity Capital$80.11 million
Loan Loss Allowance$5.39 million
Unbacked Noncurrent Loans$4.51 million
Real Estate Owned$2.14 million
Historic Data - December 2012
Assets$766.05 million
Equity Capital$73.83 million
Loan Loss Allowance$5.35 million
Unbacked Noncurrent Loans$4.51 million
Real Estate Owned$1.75 million
Profit Margin - Quarterly
Net Interest Margin4.72%
Return on Assets0.77%
Return on Equity8.03%
Interest Income$36.22 million
Rates

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Northwest Community CU (OR) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$250-Traditional IRA
0.20%$250-Roth IRA
0.10%$25-Regular Share Savings
0.10%--Youth Savings
0.10%$25-Tomorrow Savings
0.10%$2,500-Super Investor's IRA

Northwest Community CU (OR) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$2,500-Super Investor's Money Market Account

Northwest Community CU (OR) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.37%$50-Great Northwest Checking
0.25%$50-Northwest VIP Senior Checking
0.10%$50-Northwest Free Checking
0.10%$50-Northwest First Youth Checking

Northwest Community CU (OR) CD Rates

DetailsAPYMINMAXPRODUCT
1.35%$500-60 Month Traditional CD
1.15%$500-61 Month Bump-up CD
1.10%$500-48 Month Traditional CD
0.90%$500-49 Month Bump-up CD
0.85%$500-36 Month Traditional CD
0.70%$500-24 Month Variable Rate Add-On CD
0.65%$500-37 Month Bump-up CD
0.60%$500-24 Month Traditional CD
0.40%$500-25 Month Bump-up CD
0.40%$100-12 Month Youth Add-On CD
0.40%$500-12 Month Traditional CD
0.30%$500-6 Month Traditional CD
0.15%$500-3 Month Traditional CD

Northwest Community CU (OR) IRA Rates

DetailsAPYMINMAXPRODUCT
1.40%$500-60 Month Traditional IRA
1.20%$500-61 Month Bump-up IRA
1.15%$500-48 Month Traditional IRA
0.95%$500-49 Month Bump-up IRA
0.90%$500-36 Month Traditional IRA
0.70%$500-24 Month Variable Rate Add-On IRA
0.70%$500-37 Month Bump-up IRA
0.65%$500-24 Month Traditional IRA
0.45%$500-12 Month Traditional IRA
0.45%$500-25 Month Bump-up IRA
0.35%$500-6 Month Traditional IRA
0.20%$500-3 Month Traditional IRA
Locations

Northwest Community CU (OR) has 20 locations. Click to view all Northwest Community CU (OR) locations.