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Overview / Commentary
785-233-5556
P.O. Box 1128
Topeka, KS 66601

Quest Credit Union is headquartered in Topeka and is the 5th largest credit union in the state of Kansas. It is also the 733rd largest credit union in the nation. It was established in 1956 and as of December of 2013, it had grown to 57 employees and 29,121 members. Quest Credit Union 's savings rates are 44% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

Membership to Quest Credit Union is open to persons residing, working or worshiping in, or organizations located within, the counties of Allen, Anderson, Atchison, Bourbon, Chase, Cherokee, Clay, Cloud, Coffey, Crawford, Dickinson, Douglas, Franklin, Geary, Harvey, Jackson, Jefferson, Johnson, Labette, Leavenworth, Lyon, Marion, McPherson, Miami, Morris, Neosho, Osage, Ottawa, Pottawatomie, Saline, Shawnee, Wabaunsee, Woodson and Wyandotte, all in the State of Kansas. Quest Credit Union membership is also open to those who work in American Telephone and Telegraph or several related companies. - See Details

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Health

Data for Q4 2013

Institution Health

A

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 Quest Credit Union had $1.04 million in non-current loans and owned real-estate with $26.06 million in equity and loan loss allowances on hand to cover it. This gives Quest Credit Union a Texas Ratio of 3.98% 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 Quest Credit Union experienced no significant changes from 4.06% as of December 31, 2012 to 3.98% as of December 31, 2013, resulting in a positive change of 2.02%.This indicates that the balance sheet and financial strength for Quest Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Quest Credit Union has increased its total deposits by $5.06 million, resulting in 2.1% 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 Quest Credit Union has shown is above average.

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. Quest Credit Union has $271.76 million in assets with $26.06 million in equity, resulting in a capitalization level of 9.59%, which is above average.

Institution Statistics

Overall
NCUA #61823
Year Chartered1956
Employees57
Primary Regulator
Assets and Liabilities
Assets$271.76 million
Loans$82.74 million
Deposits$245.27 million
Equity Capital$25.12 million
Loan Loss Allowance$941,000
Unbacked Noncurrent Loans$1.04 million
Real Estate Owned$0
Historic Data - December 2012
Assets$265.47 million
Equity Capital$24.47 million
Loan Loss Allowance$1.14 million
Unbacked Noncurrent Loans$1.04 million
Real Estate Owned$98,000
Profit Margin - Quarterly
Net Interest Margin5.25%
Return on Assets0.34%
Return on Equity3.69%
Interest Income$7.34 million
Rates

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Quest Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.75%$25-IRA Savings
0.75%$25-Roth IRA Savings
0.75%$25-Educational IRA Savings
0.45%$50k-High Yield Savings
0.15%$25-Regular Savings
0.15%$25-Christmas Club
0.15%$25-Youth Savings

Quest Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.50%$100k-Money Market

Quest Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.50%-$10kiDeal Checking
0.10%$25-Interest Checking Account
0.05%--iDeal Checking

Quest Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.50%$500-60 Month CD
1.20%$500-48 Month CD
1.00%$500-36 Month CD
0.70%$500-30 Month CD
0.60%$500-24 Month CD
0.50%$500-18 Month CD
0.45%$500-14 Month CD
0.40%$500-12 Month CD
0.20%$500-6 Month CD
0.15%$500-3 Month CD

Quest Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.50%$500-60 Month IRA CD (Traditional,Roth,CESA)
1.20%$500-48 Month IRA CD (Traditional,Roth,CESA)
1.00%$500-36 Month IRA CD (Traditional,Roth,CESA)
0.70%$500-30 Month IRA CD (Traditional,Roth,CESA)
0.60%$500-24 Month IRA CD (Traditional,Roth,CESA)
0.50%$500-18 Month IRA CD (Traditional,Roth,CESA)
0.45%$500-14 Month IRA CD (Traditional,Roth,CESA)
0.40%$500-12 Month IRA CD (Traditional,Roth,CESA)
0.20%$500-6 Month IRA CD (Traditional,Roth,CESA)
0.15%$500-3 Month IRA CD (Traditional,Roth,CESA)
Locations


Quest Credit Union Locations
Branch Office8550 Quivira RDLenexa, KS 66215
Branch Office610 SW 10th AveTopeka, KS 66612
Branch Office5326 Ashby AveFort Riley, KS 664422302
Branch Office2634 NW US Highway 24Topeka, KS 66618
Branch Office3204 N Broadway StPittsburg, KS 66762