Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
208-233-4395
555 N 5th Ave
Pocatello, ID 83201

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 3,798th largest credit union in the nation. It was established in 1935 and as of March of 2014, it had grown to 5 employees and 2,480 members. Sei Us Employees Credit Union has a B 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

No reviews have been left for this bank yet. Be the first to review.



Health

Data for Q1 2014

Institution Health

B
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:
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 Sei Us Employees Credit Union had $178,000 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 9.46% 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 Sei Us Employees Credit Union experienced no significant changes from 7.26% as of March 31, 2013 to 9.46% as of March 31, 2014, resulting in a negative change of 30.37%. This indicates that the balance sheet and financial strength for Sei Us Employees Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Sei Us Employees Credit Union has increased its total deposits by $1.45 million, resulting in 10.94% 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 $16.58 million in assets with $1.88 million in equity, resulting in a capitalization level of 11.34%, which is excellent.

Institution Statistics

Overall
NCUA #517
Year Chartered1935
Employees5
Primary Regulator
Assets and Liabilities
Assets$16.59 million
Loans$13.55 million
Deposits$14.71 million
Equity Capital$1.83 million
Loan Loss Allowance$49,000
Unbacked Noncurrent Loans$178,000
Real Estate Owned$0
Historic Data - March 2013
Assets$15.08 million
Equity Capital$1.75 million
Loan Loss Allowance$42,000
Unbacked Noncurrent Loans$178,000
Real Estate Owned$5,000
Profit Margin - Quarterly
Net Interest Margin1.43%
Return on Assets0.51%
Return on Equity4.59%
Interest Income$216,000
Rates
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not Sei Us Employees Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Sei Us Employees Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%--IRA
0.15%--Savings

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