State Highway District #5 Cr. Un. Credit Union

State Highway District #5 Cr. Un. Credit Union is headquartered in Yakima and is the 73^rd largest credit union in the state of Washington. It is also the 3,017^st largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 5 employees and 2,005 members. State Highway District #5 Cr. Un. Credit Union's savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

State Highway District #5 Cr. Un. Credit Union Checking Account Rates

State Highway District #5 Cr. Un. Credit Union Savings Account Rates

State Highway District #5 Cr. Un. Credit Union CD Rates

Data for Q4 2011

Institution Statistics STATE HIGHWAY DISTRICT #5 CR. UN. NCUA # 68198 BankRate Report View Year Chartered 1938 Employees 5 Primary Regulator Assets and Liabilities Assets $28.48 million Loans $12.44 million Deposits $24.36 million Equity Capital $4.11 million Loan Loss Allowance $71,000 Unbacked Noncurrent Loans $32,000 Historic Data - December 2010 Assets $29.27 million Equity Capital $3.94 million Loan Loss Allowance $77,000 Unbacked Noncurrent Loans $46,000 Profit Margin - Quarterly Net Interest Margin 5.76% Return on Assets 0.58% Return on Equity 4.04% Interest Income $878,000 Non-Interest Income $60,000

Institution Health Overall Score: 5 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, 2011 State Highway District #5 Cr. Un. Credit Union had $32,000 in non-current loans and owned real-estate with $4.18 million in equity and loan loss allowances on hand to cover it. This gives State Highway District #5 Cr. Un. Credit Union a Texas Ratio of 0.77% 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 District #5 Cr. Un. Credit Union decreased slightly from 1.14% as of December 31, 2010 to 0.77% as of December 31, 2011, resulting in a positive change of 33.11%.This indicates that the balance sheet and financial strength for State Highway District #5 Cr. Un. Credit Union has improved slightly in recent periods. Deposit Growth In the past year, State Highway District #5 Cr. Un. Credit Union has decreased its total deposits by $-955,000, resulting in -3.77% 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 District #5 Cr. Un. Credit Union has shown is below 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. State Highway District #5 Cr. Un. Credit Union has $28.48 million in assets with $4.18 million in equity, resulting in a capitalization level of 14.68%, which is excellent.

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