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Overview / Commentary
2632 Rudkin Road
Yakima, WA 98909

State Highway Credit Union is headquartered in YAKIMA and is the 70th largest credit union in the state of Washington. It is also the 2,944th largest credit union in the nation. It was established in 1938 and as of December of 2013, it had grown to 5 employees and 1,814 members. State Highway Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be an employee or retiree of the Washington State Department of Transportation, Washington State Patrol, Washington State Department of Licensing, Department of Labor & Industries, City of Union Gap, Union Gap School District or the Yakima Health District. Also open to members of Central Washington Agricultural Museum. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. State Highway Credit Union has a low asset base.

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, 2013 State Highway Credit Union had $15,000 in non-current loans and owned real-estate with $4.36 million in equity and loan loss allowances on hand to cover it. This gives State Highway Credit Union a Texas Ratio of 0.34% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for State Highway Credit Union experienced no significant changes from 0.28% as of December 31, 2012 to 0.34% as of December 31, 2013, resulting in a negative change of 22.25%. This indicates that the balance sheet and financial strength for State Highway Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, State Highway Credit Union has increased its total deposits by $701,000, resulting in 2.84% 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 State Highway Credit Union has shown is above average.



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. State Highway Credit Union has $29.78 million in assets with $4.36 million in equity, resulting in a capitalization level of 14.63%, which is excellent.

Institution Statistics

NCUA #68198
Year Chartered1938
Primary Regulator
Assets and Liabilities
Assets$29.78 million
Loans$12.39 million
Deposits$25.42 million
Equity Capital$4.33 million
Loan Loss Allowance$24,000
Unbacked Noncurrent Loans$15,000
Real Estate Owned$0
Historic Data - December 2012
Assets$28.98 million
Equity Capital$4.24 million
Loan Loss Allowance$25,000
Unbacked Noncurrent Loans$15,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.58%
Return on Assets0.32%
Return on Equity2.22%
Interest Income$700,000
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State Highway Credit Union Savings Account Rates

0.45%$50-Traditional IRA
0.45%$50-Roth IRA
0.45%$50-Educational IRA
0.10%$50-Regular Share
0.10%$50-Christmas Club Account

State Highway Credit Union Checking Account Rates

0.00%--Share Draft

State Highway Credit Union CD Rates

0.55%$20k-12 Month Jumbo CD
0.45%$1k-12 Month CD
0.35%$20k-6 Month Jumbo CD
0.25%$500-6 Month CD

State Highway Credit Union Locations
Branch Office2632 Rudkin RdUnion Gap, WA 98903-1633