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800-843-7128
1015 WARNER AVE
LEWISTON, ID 83501

Potlatch No 1 Credit Union is headquartered in LEWISTON and is the 2nd largest credit union in the state of Idaho. It is also the 360th largest credit union in the nation. It was established in 1938 and as of March of 2014, it had grown to 178 employees and 66,682 members. Potlatch No 1 Credit Union's money market rates are 70% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

Must live, work, attend school or worship in one of the following Idaho or Washington Counties: Clearwater, Benewah, Bonner, Boundary, Idaho, Kootenai, Latah, Lewis, Nez Perce, Shoshone, Valley, Asotin or Whitman. - See Details

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Reviews (2)

Horrible With Working With You

Horrible customer service when it comes to working with you with payments.

Small Credit Union That Feels Big

This is a local credit union, but has all the services that a larger facility would. Membership is fairly broad and their branch availability is excellent and expanding. They are always friendly and go out of their way to help you out. Their employees and company are an integral part of the communities they serve.



Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Potlatch No 1 Credit Union had $3.55 million in non-current loans and owned real-estate with $67.91 million in equity and loan loss allowances on hand to cover it. This gives Potlatch No 1 Credit Union a Texas Ratio of 5.22% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Potlatch No 1 Credit Union experienced no significant changes from 4.62% as of March 31, 2013 to 5.22% as of March 31, 2014, resulting in a negative change of 12.93%. This indicates that the balance sheet and financial strength for Potlatch No 1 Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Potlatch No 1 Credit Union has increased its total deposits by $81.31 million, resulting in 16.72% 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 Potlatch No 1 Credit Union has shown is excellent.

Capitalization

GRADE:
B+

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. Potlatch No 1 Credit Union has $636.12 million in assets with $67.91 million in equity, resulting in a capitalization level of 10.68%, which is above average.

Institution Statistics

Overall
NCUA #2734
Year Chartered1938
Employees178
Primary Regulator
Assets and Liabilities
Assets$636.12 million
Loans$506.07 million
Deposits$567.57 million
Equity Capital$61.68 million
Loan Loss Allowance$6.24 million
Unbacked Noncurrent Loans$2.81 million
Real Estate Owned$737,000
Historic Data - March 2013
Assets$545.29 million
Equity Capital$51.19 million
Loan Loss Allowance$5.54 million
Unbacked Noncurrent Loans$2.81 million
Real Estate Owned$471,000
Profit Margin - Quarterly
Net Interest Margin0.97%
Return on Assets0.93%
Return on Equity9.61%
Interest Income$5.91 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Potlatch No 1 Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Potlatch No 1 Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%--Regular Share Savings
0.25%$35-Individual Retirement Account
0.25%--Medical Share (Idaho)
0.25%$35-Roth Individual Retirement Account

Potlatch No 1 Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.75%$500-Money Market
0.75%$500-Money Market Share Draft

Potlatch No 1 Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%--Regular Share Draft
0.15%--Business Share Draft

Potlatch No 1 Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.90%$500-60 Month Share Certificate
1.45%$500-48 Month Share Certificate
1.30%$500-36 Month Share Certificate
1.10%$500-30 Month Share Certificate
1.00%$500-24 Month Share Certificate
0.90%$500-18 Month Share Certificate
0.80%$500-12 Month Share Certificate
0.35%$500-6 Month Share Certificate

Potlatch No 1 Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.90%$500-60 Month IRA Certificate
1.45%$500-48 Month IRA Certificate
1.30%$500-36 Month IRA Certificate
1.10%$500-30 Month IRA Certificate
1.00%$500-24 Month IRA Certificate
0.90%$500-18 Month IRA Certificate
0.80%$500-12 Month IRA Certificate
0.35%$500-6 Month IRA Certificate
Locations

Potlatch No 1 Credit Union has 14 locations. Click to view all Potlatch No 1 Credit Union locations.