Peninsula Community Credit Union

Peninsula Community Credit Union Locations

521 W. Railroad Ave.
Shelton, WA 98584
360-426-1601
www.pcfcu.org

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Peninsula Community Credit Union is headquartered in Shelton and is the 33^rd largest credit union in the state of Washington. It is also the 1,049^th largest credit union in the nation. It was established in 1935 and as of September of 2011, it had grown to 63 employees and 18,263 members. Peninsula Community Credit Union's savings rates are 92% higher than the national average, and it has a 3-star health rating.

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See Rates for: Checking | Savings | CD | IRA

Peninsula Community Credit Union Checking Account Rates

	Apy	Min	Max	Product
	1.00%	-	$50k	Vista Checking

Peninsula Community Credit Union Savings Account Rates

Apy	Min	Max	Product
1.00%	$2,500	$45k	Summit - Premium Money Market Account
0.50%	-	-	Basic Savings IRA
0.25%	$50k	-	Shares Plus - Market Rate Account
0.05%	-	-	Savings Account

Peninsula Community Credit Union CD Rates

Apy	Min	Max	Product
1.40%	$500	$95k	60 Month Certificate
1.20%	$500	$95k	48 Month Certificate
1.00%	$500	$95k	36 Month Certificate
0.70%	$500	$95k	24 Month Certificate
0.70%	$500	$95k	26 Month Add-on Certificate
0.70%	$500	$95k	30 Month Bump-Rate Certificate
0.60%	$500	$95k	18 Month Certificate
0.50%	$500	$95k	12 Month Certificate
0.35%	$500	$95k	9 Month Certificate
0.30%	$500	$95k	6 Month Certificate
0.25%	$500	$95k	3 Month Certificate

Peninsula Community Credit Union IRA Rates

Apy	Min	Max	Product
1.40%	$500	$95k	60 Month IRA Certificate
1.40%	$500	$95k	60 Month Roth IRA Certificate
1.40%	$500	$95k	60 Month CESA Certificate
1.20%	$500	$95k	48 Month IRA Certificate
1.20%	$500	$95k	48 Month Roth IRA Certificate
1.20%	$500	$95k	48 Month CESA Certificate
1.00%	$500	$95k	36 Month IRA Certificate
1.00%	$500	$95k	36 Month Roth IRA Certificate
1.00%	$500	$95k	36 Month CESA Certificate
0.70%	$500	$95k	24 Month IRA Certificate
0.70%	$500	$95k	26 Month Add-on IRA Certificate
0.70%	$500	$95k	30 Month Bump-Rate IRA Certificate
0.70%	$500	$95k	24 Month Roth IRA Certificate
0.70%	$500	$95k	26 Month Add-on Roth IRA Certificate
0.70%	$500	$95k	30 Month Bump-Rate Roth IRA Certificate
0.70%	$500	$95k	24 Month CESA Certificate
0.70%	$500	$95k	26 Month Add-on CESA Certificate
0.70%	$500	$95k	30 Month Bump-Rate CESA Certificate
0.60%	$500	$95k	18 Month IRA Certificate
0.60%	$500	$95k	18 Month Roth IRA Certificate
0.60%	$500	$95k	18 Month CESA Certificate
0.50%	$500	$95k	12 Month IRA Certificate
0.50%	$500	$95k	12 Month Roth IRA Certificate
0.50%	$500	$95k	12 Month CESA Certificate
0.35%	$500	$95k	9 Month IRA Certificate
0.35%	$500	$95k	9 Month Roth IRA Certificate
0.35%	$500	$95k	9 Month CESA Certificate
0.30%	$500	$95k	6 Month IRA Certificate
0.30%	$500	$95k	6 Month Roth IRA Certificate
0.30%	$500	$95k	6 Month CESA Certificate
0.25%	$500	$95k	3 Month IRA Certificate
0.25%	$500	$95k	3 Month Roth IRA Certificate
0.25%	$500	$95k	3 Month CESA Certificate

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

PENINSULA COMMUNITY
NCUA #	665
BankRate Report	View
Year Established	1935
Employees	63
Primary Regulator
Assets and Liabilities
Assets	$151.24 million
Loans	$111.58 million
Deposits	$137.54 million
Equity Capital	$10.97 million
Loan Loss Allowance	$999,000
Unbacked Noncurrent Loans	$1.15 million
Historic Data - September 2010
Assets	$157.27 million
Equity Capital	$10.82 million
Loan Loss Allowance	$834,000
Unbacked Noncurrent Loans	$1.33 million
Real Estate Owned	$50,000
Profit Margin - Quarterly
Net Interest Margin	3.93%
Return on Assets	-0.09%
Return on Equity	-1.18%
Interest Income	$5.67 million
Non-Interest Income	$1.76 million

Institution Health

Overall Score:

3 out of 5

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 September 30, 2011 Peninsula Community Credit Union had $1.15 million in non-current loans and owned real-estate with $11.97 million in equity and loan loss allowances on hand to cover it. This gives Peninsula Community Credit Union a Texas Ratio of 9.62% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Peninsula Community Credit Union decreased slightly from 11.88% as of September 30, 2010 to 9.62% as of September 30, 2011, resulting in a positive change of 19.03%.This indicates that the balance sheet and financial strength for Peninsula Community Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Peninsula Community Credit Union has decreased its total deposits by -$2.88 million, resulting in -2.05% 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 Peninsula Community Credit Union has shown is below average.
Capitalization
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. Peninsula Community Credit Union has $151.24 million in assets with $11.97 million in equity, resulting in a capitalization level of 7.91%, which is below average.

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