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503-397-2376
1720 Saint Helens St
Saint Helens, OR 97051-1745

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 1,026th largest credit union in the nation. It was established in 1938 and as of March of 2014, it had grown to 53 employees and 15,463 members. St. Helens Community Federal Credit Union has a A 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

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Health

Data for Q1 2014

Institution Health

A

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 St. Helens Community Federal Credit Union had $1.86 million in non-current loans and owned real-estate with $18.45 million in equity and loan loss allowances on hand to cover it. This gives St. Helens Community Federal Credit Union a Texas Ratio of 10.07% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for St. Helens Community Federal Credit Union decreased dramatically from 35.58% as of March 31, 2013 to 10.07% as of March 31, 2014, resulting in a positive change of 71.71%.This indicates that the balance sheet and financial strength for St. Helens Community Federal Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, St. Helens Community Federal Credit Union has increased its total deposits by $8.84 million, resulting in 5.96% 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 $177.73 million in assets with $18.45 million in equity, resulting in a capitalization level of 10.38%, which is above average.

Institution Statistics

Overall
NCUA #2730
Year Chartered1938
Employees53
Primary Regulator
Assets and Liabilities
Assets$177.73 million
Loans$137.90 million
Deposits$157.09 million
Equity Capital$14.73 million
Loan Loss Allowance$3.72 million
Unbacked Noncurrent Loans$833,000
Real Estate Owned$1.02 million
Historic Data - March 2013
Assets$170.27 million
Equity Capital$15.62 million
Loan Loss Allowance$2.63 million
Unbacked Noncurrent Loans$833,000
Real Estate Owned$2.67 million
Profit Margin - Quarterly
Net Interest Margin1.27%
Return on Assets0.53%
Return on Equity6.35%
Interest Income$2.02 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 - Qualifying
0.10%$2k-Business Checking
0.05%--Kasasa Cash - Non Qualifying

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
0.70%$100k-24 Month IRA
0.55%$100k-12 Month IRA
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