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Overview / Commentary
503-220-2592
221 NW 2nd Ave Ste 100
Portland, OR 97209-3959

Trailhead Federal Credit Union is headquartered in Portland and is the 29th largest credit union in the state of Oregon. It is also the 1,567th largest credit union in the nation. It was established in 1935 and as of March of 2014, it had grown to 21 employees and 6,341 members. Trailhead Federal Credit Union's savings rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

You may join Trailhead Credit Union if you: **Live, work, worship, or attend school in Multnomah County. **Are an immediate family member of a current member (family members include: spouse, domestic partner, parents, step-parents, children, step-children, grandparents, step-grandparents, brothers, sisters, step-siblings, grandchildren, step-grandchildren). - See Details

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Health

Data for Q1 2014

Institution Health

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

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 Trailhead Federal Credit Union had $342,000 in non-current loans and owned real-estate with $7.8 million in equity and loan loss allowances on hand to cover it. This gives Trailhead Federal Credit Union a Texas Ratio of 4.39% 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 Trailhead Federal Credit Union decreased dramatically from 19.75% as of March 31, 2013 to 4.39% as of March 31, 2014, resulting in a positive change of 77.79%.This indicates that the balance sheet and financial strength for Trailhead Federal Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Trailhead Federal Credit Union has increased its total deposits by $2.18 million, resulting in 2.54% 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 Trailhead Federal Credit Union has shown is above average.

Capitalization

GRADE:
C

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. Trailhead Federal Credit Union has $95.84 million in assets with $7.8 million in equity, resulting in a capitalization level of 8.14%, which is average.

Institution Statistics

Overall
NCUA #644
Year Chartered1935
Employees21
Primary Regulator
Assets and Liabilities
Assets$95.84 million
Loans$53.57 million
Deposits$88.02 million
Equity Capital$7.47 million
Loan Loss Allowance$323,000
Unbacked Noncurrent Loans$302,000
Real Estate Owned$40,000
Historic Data - March 2013
Assets$93.76 million
Equity Capital$7.55 million
Loan Loss Allowance$457,000
Unbacked Noncurrent Loans$302,000
Real Estate Owned$919,000
Profit Margin - Quarterly
Net Interest Margin1.12%
Return on Assets0.31%
Return on Equity3.96%
Interest Income$802,000
Rates

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

Trailhead Federal Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.50%-$10kKasasa Saver - Qualifying
0.15%-$10kHoliday Club Add-On Certificate
0.15%-$10kTax Saver Add-On Certificate
0.10%$100-IRA Savings
0.10%$100-Roth IRA Savings
0.10%$100-Coverdell Education IRA Savings
0.10%--Business Savings
0.05%$25-Share Savings
0.05%--Secondary Savings
0.05%--Kasasa Saver - Non Qualifying

Trailhead Federal Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$250k-Money Market
0.35%$250k-Business Money Market

Trailhead Federal Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
3.00%-$10kKasasa Cash - Qualifying
0.15%$250k-Business Checking
0.05%--Kasasa Cash - Non Qualifying
0.00%$25-Value Checking
0.00%$25-Premium Checking

Trailhead Federal Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.80%$500-60 Month Certificate
0.80%$500-Business 60 Month Certificate
0.65%$500-48 Month Certificate
0.65%$500-Business 48 Month Certificate
0.60%$500-36 Month Certificate
0.60%$500-Business 36 Month Certificate
0.35%$500-24 Month Certificate
0.35%$500-Business 24 Month Certificate
0.20%$500-18 Month Certificate
0.20%$500-Business 18 Month Certificate
0.15%-$10k12 Month Money Builder Add-On Certificate
0.15%--12 Month Easy Saver Add-On Certificate
0.15%$500-12 Month Certificate
0.15%$500-Business 12 Month Certificate
0.10%$500-6 Month Certificate
0.10%$500-Business 6 Month Certificate
Locations


Trailhead Federal Credit Union Locations
Branch Office221 NW 2nd Ave Ste 100Portland, OR 97209-3959
Branch Office221 NW 2nd Ave Ste 100Portland, OR 97209-3959