Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
503-397-2376
P.O. Box 537
Saint Helens, OR 97051

St. Helens Community Federal Credit Union is headquartered in Saint Helens and is the 18st largest credit union in the state of Oregon. It is also the 1,020th largest credit union in the nation. It was established in 1938 and as of December of 2013, it had grown to 53 employees and 15,384 members. St. Helens Community Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in the credit union is available to individuals that live, work, attend school, volunteer, or worship in Columbia County or Sauvie Island, Oregon. - See Details

Related Posts



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



Health

Data for Q4 2013

Institution Health

B+

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 St. Helens Community Federal Credit Union had $3.08 million in non-current loans and owned real-estate with $18.48 million in equity and loan loss allowances on hand to cover it. This gives St. Helens Community Federal Credit Union a Texas Ratio of 16.65% 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 St. Helens Community Federal Credit Union experienced no significant changes from 18.00% as of December 31, 2012 to 16.65% as of December 31, 2013, resulting in a positive change of 7.50%.This indicates that the balance sheet and financial strength for St. Helens Community Federal Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, St. Helens Community Federal Credit Union has increased its total deposits by $10.69 million, resulting in 7.65% 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 excellent.

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. St. Helens Community Federal Credit Union has $172.8 million in assets with $18.48 million in equity, resulting in a capitalization level of 10.70%, which is above average.

Institution Statistics

Overall
NCUA #2730
Year Chartered1938
Employees53
Primary Regulator
Assets and Liabilities
Assets$172.80 million
Loans$139.35 million
Deposits$150.46 million
Equity Capital$16.37 million
Loan Loss Allowance$2.11 million
Unbacked Noncurrent Loans$1.17 million
Real Estate Owned$1.91 million
Historic Data - December 2012
Assets$161.75 million
Equity Capital$15.55 million
Loan Loss Allowance$2.50 million
Unbacked Noncurrent Loans$1.17 million
Real Estate Owned$1.98 million
Profit Margin - Quarterly
Net Interest Margin4.98%
Return on Assets0.47%
Return on Equity4.97%
Interest Income$7.82 million
Rates

Always verify rates and promotions with the bank or credit union. We are not St. Helens Community Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

St. Helens Community Federal Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
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
0.15%$50k-Regular Savings

St. Helens Community Federal Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$100k-Regular Money Market
0.35%$100k-High Yield Business Market Savings

St. Helens Community Federal Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.05%-$15kKasasa Cash
0.10%$2k-Business Checking
0.05%--Kasasa Cash

St. Helens Community Federal Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
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$10k36 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

DetailsAPYMINMAXPRODUCT
0.90%$100k-36 Month IRA (Traditional,Roth)
0.70%$100k-24 Month IRA (Traditional,Roth)
0.55%$100k-12 Month IRA (Traditional,Roth)
Locations


St. Helens Community Federal Credit Union Locations
Branch Office52691 Columbia River HwyScappoose, OR 97056-3120
Branch Office1720 Saint Helens StSaint Helens, OR 97051-1745
Branch Office118 E A StRainier, OR 97048