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Overview / Commentary
3250 Northwest Ave
Bellingham, WA 98225

Pacific Northwest Credit Union is headquartered in Bellingham and is the 79th largest credit union in the state of Washington. It is also the 3,507th largest credit union in the nation. It was established in 1967 and as of March of 2014, it had grown to 6 employees and 2,118 members. Pacific Northwest Credit Union has a B health rating.

Field of Membership Restrictions

Must live or work in the State of Washington or be an employee of Alcoa Intalco Works in Ferndale, 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. Pacific Northwest 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 Pacific Northwest Credit Union had $5,000 in non-current loans and owned real-estate with $2.33 million in equity and loan loss allowances on hand to cover it. This gives Pacific Northwest Credit Union a Texas Ratio of 0.21% 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 Pacific Northwest Credit Union decreased dramatically from 0.51% as of March 31, 2013 to 0.21% as of March 31, 2014, resulting in a positive change of 57.74%.This indicates that the balance sheet and financial strength for Pacific Northwest Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Pacific Northwest Credit Union has increased its total deposits by $98,000, resulting in 0.55% 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 Pacific Northwest 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. Pacific Northwest Credit Union has $20.42 million in assets with $2.33 million in equity, resulting in a capitalization level of 11.43%, which is excellent.

Institution Statistics

NCUA #67926
Year Chartered1967
Primary Regulator
Assets and Liabilities
Assets$20.42 million
Loans$8.29 million
Deposits$17.88 million
Equity Capital$2.31 million
Loan Loss Allowance$21,000
Unbacked Noncurrent Loans$5,000
Real Estate Owned$0
Historic Data - March 2013
Assets$20.60 million
Equity Capital$2.35 million
Loan Loss Allowance$22,000
Unbacked Noncurrent Loans$5,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.21%
Return on Assets-0.18%
Return on Equity-1.56%
Interest Income$131,000
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Pacific Northwest Credit Union Savings Account Rates

0.30%--Kid's Club Account
0.30%--Education IRA Account
0.30%--IRA Variable Account
0.20%$300-Savings Account

Pacific Northwest Credit Union Money Market Rates

0.25%$2,500-Money Market Account

Pacific Northwest Credit Union CD Rates

0.45%$5k-24 Month Share Certificate
0.40%$5k-18 Month Share Certificate
0.35%$5k-12 Month Share Certificate
0.30%$5k-6 Month Share Certificate
0.30%$10k-7 Month Share Certificate

Pacific Northwest Credit Union IRA Rates

0.45%$5k-24 Month IRA Certificate
0.40%$5k-18 Month IRA Certificate
0.30%$5k-12 Month IRA Certificate

Pacific Northwest Credit Union Locations
Branch Office3250 Northwest AveBellingham, WA 98225