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Overview / Commentary
360-695-5121
P.O. Box 764
Vancouver, WA 98666

People's Community Federal Credit Union is headquartered in Vancouver and is the 32nd largest credit union in the state of Washington. It is also the 1,056th largest credit union in the nation. It was established in 1952 and as of December of 2013, it had grown to 35 employees and 12,807 members. People's Community Federal Credit Union's savings rates are 10X the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Eligible members must live, work or worship in Clark, Cowlitz or Skamania counties. - 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 People's Community Federal Credit Union had $134,000 in non-current loans and owned real-estate with $19.71 million in equity and loan loss allowances on hand to cover it. This gives People's Community Federal Credit Union a Texas Ratio of 0.68% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for People's Community Federal Credit Union decreased dramatically from 4.05% as of December 31, 2012 to 0.68% as of December 31, 2013, resulting in a positive change of 83.21%.This indicates that the balance sheet and financial strength for People's Community Federal Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
B

In the past year, People's Community Federal Credit Union has increased its total deposits by $1.26 million, resulting in 0.88% 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 People's Community Federal Credit Union has shown is above average.

Capitalization

GRADE:
A+

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. People's Community Federal Credit Union has $163.68 million in assets with $19.71 million in equity, resulting in a capitalization level of 12.04%, which is excellent.

Institution Statistics

Overall
NCUA #24713
Year Chartered1952
Employees35
Primary Regulator
Assets and Liabilities
Assets$163.68 million
Loans$58.44 million
Deposits$144.10 million
Equity Capital$19.26 million
Loan Loss Allowance$452,000
Unbacked Noncurrent Loans$134,000
Real Estate Owned$0
Historic Data - December 2012
Assets$163.77 million
Equity Capital$19.99 million
Loan Loss Allowance$383,000
Unbacked Noncurrent Loans$134,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.46%
Return on Assets0.45%
Return on Equity3.86%
Interest Income$3.94 million
Rates

Always verify rates and promotions with the bank or credit union. We are not People's Community Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

People's Community Federal Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
5.00%-$750Loyalty Savings Account
0.05%$50-Carefree Savings
0.05%--IRA Savings
0.05%--Holiday Club Account
0.05%--Roth IRA Savings

People's Community Federal Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$1k-Money Management Account

People's Community Federal Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.75%-$35kLoyalty Checking
0.05%--Loyalty Checking

People's Community Federal Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.95%$500-60 Month CD
0.60%$500-36 Month CD
0.25%$500-24 Month CD
0.20%$500-18 Month CD
0.10%$500-12 Month CD
0.05%$500-3 Month CD
0.05%$500-6 Month CD

People's Community Federal Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.95%$500-60 Month IRA (Traditional,Roth)
0.60%$500-36 Month IRA (Traditional,Roth)
0.25%$500-24 Month IRA (Traditional,Roth)
0.20%$500-18 Month IRA (Traditional,Roth)
0.10%$500-12 Month IRA (Traditional,Roth)
0.05%$500-3 Month IRA (Traditional,Roth)
0.05%$500-6 Month IRA (Traditional,Roth)
Locations


People's Community Federal Credit Union Locations
Branch Office904 Daniels StVancouver, WA 98660
Branch Office16211 SE 12th StVancouver, WA 98683-8903
Branch Office7403 NE Hazel Dell AveVancouver, WA 98665-8310
Branch Office121 NW 20th AveBattle Ground, WA 98604