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P.O. Box 2150
Shelton, WA 98584

Peninsula Community Credit Union is headquartered in Shelton and is the 34th largest credit union in the state of Washington. It is also the 1,142nd largest credit union in the nation. It was established in 1935 and as of December of 2013, it had grown to 58 employees and 17,003 members. Peninsula Community Credit Union has a B+ health rating.

Field of Membership Restrictions

Everyone who lives, works, worships, goes to school in Kitsap, Mason, Jefferson, Clallam or Grays Harbor County and/or the immediate family related to a current member is eligible to join. - See Details

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Data for Q4 2013

Institution Health


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 Peninsula Community Credit Union had $763,000 in non-current loans and owned real-estate with $12.29 million in equity and loan loss allowances on hand to cover it. This gives Peninsula Community Credit Union a Texas Ratio of 6.21% 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 Peninsula Community Credit Union decreased dramatically from 9.54% as of December 31, 2012 to 6.21% as of December 31, 2013, resulting in a positive change of 34.90%.This indicates that the balance sheet and financial strength for Peninsula Community Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Peninsula Community Credit Union has decreased its total deposits by -$3.68 million, resulting in -2.66% 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.



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 $147.02 million in assets with $12.29 million in equity, resulting in a capitalization level of 8.36%, which is average.

Institution Statistics

NCUA #665
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$147.02 million
Loans$101.55 million
Deposits$134.41 million
Equity Capital$11.50 million
Loan Loss Allowance$793,000
Unbacked Noncurrent Loans$491,000
Real Estate Owned$272,000
Historic Data - December 2012
Assets$150.11 million
Equity Capital$11.23 million
Loan Loss Allowance$1.10 million
Unbacked Noncurrent Loans$491,000
Real Estate Owned$305,000
Profit Margin - Quarterly
Net Interest Margin4.85%
Return on Assets0.31%
Return on Equity3.95%
Interest Income$5.87 million
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Peninsula Community Credit Union Savings Account Rates

0.25%--Basic Savings IRA
0.25%--Basic Savings Roth IRA
0.25%--Basic Savings CESA
0.13%$50k-Shares Plus - Market Rate Account
0.03%--Savings Account

Peninsula Community Credit Union Checking Account Rates

1.25%-$20kVista Checking Account
0.01%--Vista Checking Account

Peninsula Community Credit Union CD Rates

1.20%$500-60 Month Certificate
0.90%$500-48 Month Certificate
0.70%$500-36 Month Certificate
0.45%$500-24 Month Certificate
0.45%$500-26 Month Add-on Certificate
0.45%$500-30 Month Bump-Rate Certificate
0.30%$500-18 Month Certificate
0.30%$500-12 Month Save To Win Certificate
0.25%$500-12 Month Certificate
0.15%$500-6 Month Certificate

Peninsula Community Credit Union IRA Rates

1.20%$500-60 Month IRA Certificate (Traditional,Roth,CESA)
0.90%$500-48 Month IRA Certificate (Traditional,Roth,CESA)
0.70%$500-36 Month IRA Certificate (Traditional,Roth,CESA)
0.45%$500-24 Month IRA Certificate (Traditional,Roth,CESA)
0.45%$500-26 Month Add-on IRA Certificate (Traditional,Roth,CESA)
0.45%$500-30 Month Bump-Rate IRA Certificate (Traditional,Roth,CESA)
0.30%$500-18 Month IRA Certificate (Traditional,Roth,CESA)
0.30%$500-12 Month Save To Win IRA Certificate (Traditional,Roth,CESA)
0.25%$500-12 Month IRA Certificate (Traditional,Roth,CESA)
0.15%$500-6 Month IRA Certificate (Traditional,Roth,CESA)

Peninsula Community Credit Union Locations
Branch Office1250 W Sims WayPort Townsend, WA 98368
Branch Office521 W Railroad AveShelton, WA 98584-3520
Branch Office1081 Bethel AvePort Orchard, WA 98366-4207
Branch Office21505 Market Pl NW Ste 109Poulsbo, WA 98370-6635
Branch Office23550 NE State Route 3Belfair, WA 98528