Pocahy Family Credit Union

Pocahy Family Credit Union is headquartered in Pocatello and is the 33^rd largest credit union in the state of Idaho. It is also the 3,945^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 11 employees and 2,257 members. Pocahy Family Credit Union has a 3-star health rating.

Pocahy Family Credit Union Routing Number: 324173642

Pocahy Family Credit Union Savings Account Rates

Pocahy Family Credit Union Money Market Rates

Pocahy Family Credit Union CD Rates

Data for Q4 2011

Institution Statistics POCAHY FAMILY NCUA # 24803 BankRate Report View Year Chartered 1953 Employees 11 Primary Regulator Assets and Liabilities Assets $15.33 million Loans $13.38 million Deposits $13.82 million Equity Capital $1.30 million Loan Loss Allowance $376,000 Unbacked Noncurrent Loans $658,000 Historic Data - December 2010 Assets $16.04 million Equity Capital $1.67 million Loan Loss Allowance $199,000 Unbacked Noncurrent Loans $870,000 Profit Margin - Quarterly Net Interest Margin 6.3% Return on Assets -2.41% Return on Equity -28.37% Interest Income $974,000 Non-Interest Income $150,000

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 December 31, 2011 Pocahy Family Credit Union had $658,000 in non-current loans and owned real-estate with $1.68 million in equity and loan loss allowances on hand to cover it. This gives Pocahy Family Credit Union a Texas Ratio of 39.17% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pocahy Family Credit Union decreased slightly from 46.47% as of December 31, 2010 to 39.17% as of December 31, 2011, resulting in a positive change of 15.72%.This indicates that the balance sheet and financial strength for Pocahy Family Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Pocahy Family Credit Union has decreased its total deposits by $-304,000, resulting in -2.15% 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 Pocahy Family 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. Pocahy Family Credit Union has $15.33 million in assets with $1.68 million in equity, resulting in a capitalization level of 10.96%, which is above average.

No reviews have been left for this bank yet. Be the first to review.