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Overview / Commentary
960 Commerce Ave
Longview, WA 98632

Pud Credit Union is headquartered in Longview and is the 96th largest credit union in the state of Washington. It is also the 4,875th largest credit union in the nation. It was established in 1941 and as of March of 2014, it had grown to 1 employees and 811 members. Pud Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee or retiree of Cowlitz PUD. - See Details

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Data for Q1 2014

Institution Health

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

Texas Ratio


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 Pud Credit Union had $1,000 in non-current loans and owned real-estate with $1.19 million in equity and loan loss allowances on hand to cover it. This gives Pud Credit Union a Texas Ratio of 0.08% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Pud Credit Union has increased its total deposits by $10,000, resulting in 0.16% 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 Pud Credit Union has shown is above average.



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. Pud Credit Union has $7.33 million in assets with $1.19 million in equity, resulting in a capitalization level of 16.20%, which is excellent.

Institution Statistics

NCUA #4509
Year Chartered1941
Primary Regulator
Assets and Liabilities
Assets$7.33 million
Loans$3.74 million
Deposits$6.15 million
Equity Capital$1.17 million
Loan Loss Allowance$20,000
Unbacked Noncurrent Loans$1,000
Real Estate Owned$0
Historic Data - March 2013
Assets$7.30 million
Equity Capital$1.15 million
Loan Loss Allowance$21,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.03%
Return on Assets0.16%
Return on Equity1.03%
Interest Income$47,000
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Pud Credit Union Savings Account Rates

0.20%--Share Savings Account
0.20%--IRA Share Account

Pud Credit Union CD Rates

0.35%$1k-1 Year Share Certificate
0.25%$1k-6 Month Share Certificate

Pud Credit Union IRA Rates

0.35%$1k-1 Year IRA Certificate
0.25%$1k-6 Month IRA Certificate

Pud Credit Union Locations
Branch Office960 Commerce AveLongview, WA 98632