Rivermark Community Credit Union

Rivermark Community Credit Union Locations

8505 SW Creekside Place
Beaverton, OR 97008
(503) 626-6600
www.rivermarkcu.org

NCUA

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Rivermark Community Credit Union is headquartered in Beaverton and is the 10^st largest credit union in the state of Oregon. It is also the 387^th largest credit union in the nation. It was established in 1951 and as of December of 2012, it had grown to 153 employees and 65,102 members. Rivermark Community Credit Union has a 4-star health rating.

Rivermark Community Credit Union Routing Number: 323076012

Rivermark Community CU RCA Rate And Cap Change (0.50%APY, $25K), (1.01%APY, $15K) (Forum) - 2/3/2013

Change is effective 2/1/13.

2.50% Rewards Checking Account at an Oregon CU (Rivermark Community) - 6/17/2007

Update 1/10/10: The top yield has fallen to 2.50% APY on balances up to $25,000. Refer to the bottom of post for the rate history.Rivermark Community Credit Union has started a rewards checking that pays 2.50% APY on balances up to $25K (0.25% on...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Rivermark Community Credit Union Checking Account Rates

	Apy	Min	Max	Product
	1.01%	-	$15k	Rewards Checking

Rivermark Community Credit Union Savings Account Rates

Apy	Min	Max	Product
0.20%	-	-	GO! Savings
0.20%	-	-	Roth IRA Savings
0.20%	-	$2,500	Rewards Savings
0.20%	-	-	Dollar Dog Savings
0.20%	-	-	Tax Savings
0.20%	-	-	Holiday Savings
0.20%	-	-	IRA Savings
0.20%	-	-	CESA Savings
0.15%	-	-	Regular Shares
0.15%	-	-	Extra Shares

Rivermark Community Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.20%	$25k	-	Money Market

Rivermark Community Credit Union CD Rates

Apy	Min	Max	Product
0.80%	$500	-	36 Month Regular CD
0.80%	$500	-	Business 36 Month Regular CD
0.60%	$500	-	24 Month Regular CD
0.60%	$500	-	Business 24 Month Regular CD
0.35%	$500	-	12 Month Regular CD
0.35%	$500	-	Business 12 Month Regular CD
0.35%	$100	-	12 Month Dollar Dog CD
0.35%	$100	-	12 Month Go! CD
0.20%	$500	-	6 Month Regular CD
0.20%	$500	-	Business 6 Month Regular CD
0.20%	$100	-	6 Month Dollar Dog CD
0.20%	$100	-	6 Month Go! CD

Rivermark Community Credit Union IRA Rates

Apy	Min	Max	Product
0.80%	$500	-	36 Month IRA
0.80%	$500	-	36 Month Roth IRA
0.80%	$500	-	36 Month CESA
0.75%	-	-	36 Month Add On IRA
0.75%	-	-	36 Month Add On Roth IRA
0.75%	-	-	36 Month Add On CESA
0.60%	$500	-	24 Month IRA
0.60%	$500	-	24 Month Roth IRA
0.60%	$500	-	24 Month CESA
0.55%	-	-	24 Month Add On IRA
0.55%	-	-	24 Month Add On Roth IRA
0.55%	-	-	24 Month Add On CESA
0.35%	$500	-	12 Month IRA
0.35%	$500	-	12 Month Roth IRA
0.35%	$500	-	12 Month CESA
0.30%	-	-	12 Month Add On IRA
0.30%	-	-	12 Month Add On Roth IRA
0.30%	-	-	12 Month Add On CESA
0.20%	$500	-	6 Month IRA
0.20%	$500	-	6 Month Roth IRA
0.20%	$500	-	6 Month CESA
0.15%	-	-	6 Month Add On IRA
0.15%	-	-	6 Month Add On Roth IRA
0.15%	-	-	6 Month Add On CESA

Rates updated: 5/20/2013

Data for Q4 2012

Institution Statistics

RIVERMARK COMMUNITY
NCUA #	65644
BankRate Report	View
Year Chartered	1951
Employees	153
Primary Regulator
Assets and Liabilities
Assets	$547.32 million
Loans	$395.35 million
Deposits	$496.27 million
Equity Capital	$46.30 million
Loan Loss Allowance	$6.04 million
Unbacked Noncurrent Loans	$4.89 million
Real Estate Owned	$3.45 million
Historic Data - December 2011
Assets	$532.82 million
Equity Capital	$41.06 million
Loan Loss Allowance	$6.19 million
Unbacked Noncurrent Loans	$6.96 million
Real Estate Owned	$5.56 million
Profit Margin - Quarterly
Net Interest Margin	5.07%
Return on Assets	0.88%
Return on Equity	10.36%
Interest Income	$21.47 million
Non-Interest Income	$12.60 million

Institution Health

Overall Score:

4 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, 2012 Rivermark Community Credit Union had $8.35 million in non-current loans and owned real-estate with $52.34 million in equity and loan loss allowances on hand to cover it. This gives Rivermark Community Credit Union a Texas Ratio of 15.95% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Rivermark Community Credit Union decreased slightly from 26.48% as of December 31, 2011 to 15.95% as of December 31, 2012, resulting in a positive change of 39.78%.This indicates that the balance sheet and financial strength for Rivermark Community Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Rivermark Community Credit Union has increased its total deposits by $11.67 million, resulting in 2.41% 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 Rivermark Community Credit Union has shown is above 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. Rivermark Community Credit Union has $547.32 million in assets with $52.34 million in equity, resulting in a capitalization level of 9.56%, which is average.