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Overview / Commentary
208-232-5746
P.O. Box 1450
Pocatello, ID 83204

Pocatello Railroad Credit Union is headquartered in Pocatello and is the 19st largest credit union in the state of Idaho. It is also the 2,171st largest credit union in the nation. It was established in 1935 and as of December of 2013, it had grown to 26 employees and 10,141 members. Pocatello Railroad Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be an employee of Pocatello Railroad FCU or several other companies or be a member of the Bannock Humane Society with a $12.00 donation. - See Details

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Health

Data for Q4 2013

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Pocatello Railroad Credit Union has a relatively 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 Pocatello Railroad Credit Union had $393,000 in non-current loans and owned real-estate with $4.12 million in equity and loan loss allowances on hand to cover it. This gives Pocatello Railroad Credit Union a Texas Ratio of 9.54% 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 Pocatello Railroad Credit Union decreased slightly from 12.26% as of December 31, 2012 to 9.54% as of December 31, 2013, resulting in a positive change of 22.22%.This indicates that the balance sheet and financial strength for Pocatello Railroad Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, Pocatello Railroad Credit Union has decreased its total deposits by -$5.26 million, resulting in -9.45% 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 Pocatello Railroad Credit Union has shown is below average.

Capitalization

GRADE:
C-

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. Pocatello Railroad Credit Union has $54.94 million in assets with $4.12 million in equity, resulting in a capitalization level of 7.50%, which is below average.

Institution Statistics

Overall
NCUA #490
Year Chartered1935
Employees26
Primary Regulator
Assets and Liabilities
Assets$54.94 million
Loans$43.10 million
Deposits$50.33 million
Equity Capital$3.86 million
Loan Loss Allowance$259,000
Unbacked Noncurrent Loans$393,000
Real Estate Owned$0
Historic Data - December 2012
Assets$59.95 million
Equity Capital$3.69 million
Loan Loss Allowance$381,000
Unbacked Noncurrent Loans$393,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.7%
Return on Assets0.31%
Return on Equity4.48%
Interest Income$2.15 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Pocatello Railroad Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Pocatello Railroad Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$25-IRA Savings
0.01%$25-Share Savings
0.01%--Young Conductors
0.01%$25-Golden Age Savings
0.01%--Christmas Club
0.01%--Secondary Shares

Pocatello Railroad Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.02%$2k-Money Market Account

Pocatello Railroad Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.01%$500-Free Checking
0.01%$500-Golden Age Checking

Pocatello Railroad Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.30%$1k-2 Year CD
0.05%$1k-120 Day Time Share (Share 72)
0.05%$100-120 Day Time Share (Share 77)
0.02%$1k-60 Day Time Share (Share 70)
0.02%$1k-90 Day Time Share (Share 71)
Locations


Pocatello Railroad Credit Union Locations
Branch Office4708 Yellowstone AveChubbuck, ID 83202-2336
Branch Office216 W Whitman StPocatello, ID 83204-3343