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.
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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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.
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.
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.
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.
|Assets and Liabilities|
|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|
|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 Margin||1.27%|
|Return on Assets||0.53%|
|Return on Equity||6.35%|
|Interest Income||$2.02 million|
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|0.25%||$10k||-||Buddy Bear Cub Club|
|0.25%||$25k||-||Roth IRA Savings|
|0.35%||$100k||-||Regular Money Market|
|0.35%||$100k||-||High Yield Business Market Savings|
|2.05%||-||$15k||Kasasa Cash - Qualifying|
|0.05%||-||-||Kasasa Cash - Non Qualifying|
|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|
|0.90%||$100k||-||36 Month IRA|
|0.70%||$100k||-||24 Month IRA|
|0.55%||$100k||-||12 Month IRA|
|St. Helens Community Federal Credit Union Locations|
|Branch Office||52691 Columbia River Hwy||Scappoose, OR 97056-3120|
|Branch Office||1720 Saint Helens St||Saint Helens, OR 97051-1745|
|Branch Office||118 E A St||Rainier, OR 97048|