People's Community Federal Credit Union

People's Community Federal Credit Union Locations

PO Box 764
Vancouver, WA 98666-0764
800-252-6525
www.peoplescu.org

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People's Community Federal Credit Union is headquartered in Vancouver and is the 31^st largest credit union in the state of Washington. It is also the 1,043^rd largest credit union in the nation. It was established in 1952 and as of September of 2011, it had grown to 35 employees and 13,269 members. People's Community Federal Credit Union has a 5-star health rating.

Top Reward Checking Account with a Long History in Washington State - 4/8/2011

While reviewing some of the old reward checking accounts, I came across a few interesting ones that still offer competitive rates. One is the Loyalty Checking that's offered by People's Community Fede ...

Great Rates (Forum) - 3/30/2010

Great rates, but you must be a member, either by living, working or worshipping in one of the 3 counties listed, or having a family member who is member.

High-Yield Reward Checking Account at a Washington State CU (People's Community) - 12/11/2007

People's Community Federal Credit Union is offering a reward checking account called Loyalty Checking.

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See Rates for: Checking | Savings | Money Market | CD | IRA

People's Community Federal Credit Union Checking Account Rates

	Apy	Min	Max	Product
	2.05%	-	$50k	Loyalty Checking

People's Community Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
7.50%	-	$750	Loyalty Savings Account
0.10%	$50	-	Savings
0.10%	-	-	IRA Savings
0.10%	-	-	Holiday Club Account
0.10%	-	-	Roth IRA Savings

People's Community Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$1k	-	Money Management Account

People's Community Federal Credit Union CD Rates

Apy	Min	Max	Product
1.31%	$500	-	60 Month CD
0.85%	$500	-	36 Month CD
0.45%	$500	-	24 Month CD
0.30%	$500	-	18 Month CD
0.20%	$500	-	12 Month CD
0.15%	$500	-	6 Month CD
0.10%	$500	-	3 Month CD

People's Community Federal Credit Union IRA Rates

Apy	Min	Max	Product
1.31%	$500	-	60 Month IRA
1.31%	$500	-	60 Month Roth IRA
0.85%	$500	-	36 Month IRA
0.85%	$500	-	36 Month Roth IRA
0.45%	$500	-	24 Month IRA
0.45%	$500	-	24 Month Roth IRA
0.30%	$500	-	18 Month IRA
0.30%	$500	-	18 Month Roth IRA
0.20%	$500	-	12 Month IRA
0.20%	$500	-	12 Month Roth IRA
0.15%	$500	-	6 Month IRA
0.15%	$500	-	6 Month Roth IRA
0.10%	$500	-	3 Month IRA
0.10%	$500	-	3 Month Roth IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

PEOPLE'S COMMUNITY
NCUA #	24713
BankRate Report	View
Year Established	1952
Employees	35
Primary Regulator
Assets and Liabilities
Assets	$153.05 million
Loans	$65.93 million
Deposits	$133.32 million
Equity Capital	$19.27 million
Loan Loss Allowance	$414,000
Unbacked Noncurrent Loans	$1.01 million
Historic Data - September 2010
Assets	$152.20 million
Equity Capital	$18.27 million
Loan Loss Allowance	$889,000
Unbacked Noncurrent Loans	$1.06 million
Profit Margin - Quarterly
Net Interest Margin	3.72%
Return on Assets	0.73%
Return on Equity	5.82%
Interest Income	$3.77 million
Non-Interest Income	$951,000

Institution Health

Overall Score:

5 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 People's Community Federal Credit Union had $1.01 million in non-current loans and owned real-estate with $19.69 million in equity and loan loss allowances on hand to cover it. This gives People's Community Federal Credit Union a Texas Ratio of 5.15% 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 People's Community Federal Credit Union held steady from 5.51% as of September 30, 2010 to 5.15% as of September 30, 2011, resulting in a positive change of 6.58%.This indicates that the balance sheet and financial strength for People's Community Federal Credit Union has held steady in recent periods.
Deposit Growth
In the past year, People's Community Federal Credit Union has increased its total deposits by $110,000, resulting in 0.08% 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 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. People's Community Federal Credit Union has $153.05 million in assets with $19.69 million in equity, resulting in a capitalization level of 12.86%, which is excellent.