St. Helens Community Federal Credit Union

St. Helens Community Federal Credit Union Locations

1720 Saint Helens Street
St. Helens, OR 97051
(503) 397-2376
www.shcu.org

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St. Helens Community Federal Credit Union is headquartered in Saint Helens and is the 18^st largest credit union in the state of Oregon. It is also the 1,040^th largest credit union in the nation. It was established in 1938 and as of December of 2012, it had grown to 53 employees and 15,285 members. St. Helens Community Federal Credit Union has a 4-star health rating.

3.00% Reward Checking Account at St. Helens Community Federal Credit Union in Oregon - 2/17/2009

Update 8/08/09: The top rate has fallen to 3.00% APY.St. Helens Community FCU is offering a reward checking account called Simply Rewarding Checking. It pays 3.00% APY on balances up to $25,000 (0.50% for above) and refunds ATM fees nationwide of up to...

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

St. Helens Community Federal Credit Union Checking Account Rates

Apy	Min	Max	Product
2.35%	-	$15k	Kasasa Cash
0.10%	$2k	-	Business Checking

St. Helens Community Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	$10k	-	Buddy Bear Cub Club
0.25%	$10k	-	Teen Club
0.25%	$10k	-	Christmas Club
0.25%	$50k	-	Business Savings
0.25%	$25k	-	IRA Savings
0.25%	$25k	-	Roth IRA Savings
0.25%	$25	-	Life Together Forever Special Purpose Savings
0.25%	$25	-	Our Little Bundle of Joy Special Purpose Savings
0.25%	$25	-	Grad Funds Special Purpose Savings
0.15%	$50k	-	Regular Savings

St. Helens Community Federal Credit Union Money Market Rates

Apy	Min	Max	Product
0.35%	$100k	-	Regular Money Market
0.35%	$100k	-	High Yield Business Market Savings

St. Helens Community Federal Credit Union CD Rates

Apy	Min	Max	Product
1.25%	$100k	-	60 Month Regular CD
1.24%	$100k	-	60 Month Non-compounding CD
0.90%	$100k	-	36 Month Regular CD
0.70%	$100k	-	24 Month Regular CD
0.70%	$100k	-	24 Month Non-compounding CD
0.70%	$200	$10k	36 Month Young Savers CD
0.55%	$100k	-	12 Month Regular CD
0.55%	$100k	-	12 Month Non-compounding CD
0.35%	$100k	-	6 Month Regular CD

St. Helens Community Federal Credit Union IRA Rates

Apy	Min	Max	Product
0.90%	$100k	-	36 Month IRA
0.90%	$100k	-	36 Month Roth IRA
0.70%	$100k	-	24 Month IRA
0.70%	$100k	-	24 Month Roth IRA
0.55%	$100k	-	12 Month IRA
0.55%	$100k	-	12 Month Roth IRA

Rates updated: 5/20/2013

Data for Q4 2012

Institution Statistics

ST. HELENS COMMUNITY
NCUA #	2730
BankRate Report	View
Year Chartered	1938
Employees	53
Primary Regulator
Assets and Liabilities
Assets	$161.75 million
Loans	$137.14 million
Deposits	$139.76 million
Equity Capital	$15.55 million
Loan Loss Allowance	$2.50 million
Unbacked Noncurrent Loans	$1.27 million
Real Estate Owned	$1.98 million
Historic Data - December 2011
Assets	$160.04 million
Equity Capital	$14.18 million
Loan Loss Allowance	$1.89 million
Unbacked Noncurrent Loans	$1.44 million
Real Estate Owned	$2.95 million
Profit Margin - Quarterly
Net Interest Margin	5.38%
Return on Assets	0.84%
Return on Equity	8.7%
Interest Income	$8.32 million
Non-Interest Income	$2.29 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 St. Helens Community Federal Credit Union had $3.25 million in non-current loans and owned real-estate with $18.05 million in equity and loan loss allowances on hand to cover it. This gives St. Helens Community Federal Credit Union a Texas Ratio of 18.00% 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 St. Helens Community Federal Credit Union decreased slightly from 27.27% as of December 31, 2011 to 18.00% as of December 31, 2012, resulting in a positive change of 34.01%.This indicates that the balance sheet and financial strength for St. Helens Community Federal Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, St. Helens Community Federal Credit Union has increased its total deposits by $777,000, resulting in 0.56% 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 St. Helens Community Federal Credit Union has shown is 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. St. Helens Community Federal Credit Union has $161.75 million in assets with $18.05 million in equity, resulting in a capitalization level of 11.16%, which is above average.