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Overview / Commentary
208-233-4395
P.O. Box 1466
Pocatello, ID 83204

Sei Us Employees Credit Union is headquartered in POCATELLO and is the 31st largest credit union in the state of Idaho. It is also the 3,792nd largest credit union in the nation. It was established in 1935 and as of December of 2013, it had grown to 5 employees and 2,457 members. Sei Us Employees Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be a Federal employee or retiree in Bannock, Caribou, Bear Lake, Franklin, Oneida, Power or Bingham County. Also open to employees of Premier Properties and other select employee groups. - 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. Sei Us Employees Credit Union has a low asset base.

Texas Ratio

GRADE:
B

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 Sei Us Employees Credit Union had $303,000 in non-current loans and owned real-estate with $1.88 million in equity and loan loss allowances on hand to cover it. This gives Sei Us Employees Credit Union a Texas Ratio of 16.13% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Sei Us Employees Credit Union increased slightly from 9.10% as of December 31, 2012 to 16.13% as of December 31, 2013, resulting in a negative change of 77.18%. This indicates that the balance sheet and financial strength for Sei Us Employees Credit Union has declined slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Sei Us Employees Credit Union has increased its total deposits by $1.3 million, resulting in 9.9% 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 Sei Us Employees Credit Union has shown is excellent.

Capitalization

GRADE:
A

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. Sei Us Employees Credit Union has $16.24 million in assets with $1.88 million in equity, resulting in a capitalization level of 11.57%, which is excellent.

Institution Statistics

Overall
NCUA #517
Year Chartered1935
Employees5
Primary Regulator
Assets and Liabilities
Assets$16.24 million
Loans$13.50 million
Deposits$14.40 million
Equity Capital$1.81 million
Loan Loss Allowance$67,000
Unbacked Noncurrent Loans$303,000
Real Estate Owned$0
Historic Data - December 2012
Assets$14.88 million
Equity Capital$1.73 million
Loan Loss Allowance$62,000
Unbacked Noncurrent Loans$303,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.46%
Return on Assets0.5%
Return on Equity4.47%
Interest Income$821,000
Rates
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Sei Us Employees Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%--IRA
0.15%--Savings

Sei Us Employees Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.00%$300-Checking

Sei Us Employees Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.65%--36 Month CD
0.50%--12 Month CD
0.30%--6 Month CD
Locations


Sei Us Employees Credit Union Locations
Branch Office555 N 5th AvePocatello, ID 83201