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Overview / Commentary
208-983-1558
230 E Main St
Grangeville, ID 83530

Pine Tree Community Credit Union is headquartered in GRANGEVILLE and is the 23rd largest credit union in the state of Idaho. It is also the 2,723rd largest credit union in the nation. It was established in 1956 and as of December of 2013, it had grown to 10 employees and 3,040 members. Pine Tree Community Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship, volunteer or attend school in Idaho County. - See Details

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Health

Data for Q4 2013

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Pine Tree Community Credit Union has a low asset base.

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 Pine Tree Community Credit Union had $191,000 in non-current loans and owned real-estate with $4.14 million in equity and loan loss allowances on hand to cover it. This gives Pine Tree Community Credit Union a Texas Ratio of 4.61% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Pine Tree Community Credit Union decreased slightly from 6.01% as of December 31, 2012 to 4.61% as of December 31, 2013, resulting in a positive change of 23.21%.This indicates that the balance sheet and financial strength for Pine Tree Community Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Pine Tree Community Credit Union has increased its total deposits by $1.55 million, resulting in 5.19% 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 Pine Tree Community Credit Union has shown is excellent.

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. Pine Tree Community Credit Union has $35.29 million in assets with $4.14 million in equity, resulting in a capitalization level of 11.73%, which is excellent.

Institution Statistics

Overall
NCUA #65789
Year Chartered1956
Employees10
Primary Regulator
Assets and Liabilities
Assets$35.29 million
Loans$20.59 million
Deposits$31.32 million
Equity Capital$3.87 million
Loan Loss Allowance$272,000
Unbacked Noncurrent Loans$191,000
Real Estate Owned$0
Historic Data - December 2012
Assets$33.52 million
Equity Capital$3.58 million
Loan Loss Allowance$220,000
Unbacked Noncurrent Loans$191,000
Real Estate Owned$80,000
Profit Margin - Quarterly
Net Interest Margin5.34%
Return on Assets0.83%
Return on Equity7.6%
Interest Income$1.41 million
Rates
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Pine Tree Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.40%$75k-High Yield Share Account
0.30%$25-Regular Shares Account
0.30%--Christmas Club Shares
0.30%--Pee Wee Penguin Savers Account
0.30%$25-Regular Share IRA Account
0.30%$25-Regular Share Roth IRA Account

Pine Tree Community Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.92%$500-60 Month CD
1.00%$500-24 Month CD
0.55%$500-12 Month CD
0.35%$500-6 Month CD
0.30%$500-3 Month CD
Locations


Pine Tree Community Credit Union Locations
Branch OfficePine Tree Community Credit Union 230 E MAIN STGRANGEVILLE, ID 83530
Branch OfficePine Tree Community Credit Union 230 E Main StGrangeville, ID 83530
Branch OfficePine Tree Community Credit Union-Riggins Branch 230 E Main StGrangeville, ID 83530