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Overview / Commentary
2626 W Kennewick Ave
Kennewick, WA 99336

Tri-Cities Community Credit Union is headquartered in Kennewick and is the 73rd largest credit union in the state of Washington. It is also the 3,115st largest credit union in the nation. It was established in 1969 and as of March of 2014, it had grown to 9 employees and 4,284 members. Tri-Cities Community Credit Union has a B health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Benton or Franklin County, Washington. - See Details

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Data for Q1 2014

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. Tri-Cities Community Credit Union has a low asset base.

Texas Ratio


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 Tri-Cities Community Credit Union had $152,000 in non-current loans and owned real-estate with $2.66 million in equity and loan loss allowances on hand to cover it. This gives Tri-Cities Community Credit Union a Texas Ratio of 5.70% 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 Tri-Cities Community Credit Union experienced no significant changes from 3.33% as of March 31, 2013 to 5.70% as of March 31, 2014, resulting in a negative change of 71.49%. This indicates that the balance sheet and financial strength for Tri-Cities Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Tri-Cities Community Credit Union has decreased its total deposits by $-167,000, resulting in -0.69% 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 Tri-Cities Community Credit Union has shown is 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. Tri-Cities Community Credit Union has $27.04 million in assets with $2.66 million in equity, resulting in a capitalization level of 9.86%, which is above average.

Institution Statistics

NCUA #19608
Year Chartered1969
Primary Regulator
Assets and Liabilities
Assets$27.04 million
Loans$20.62 million
Deposits$24.09 million
Equity Capital$2.58 million
Loan Loss Allowance$82,000
Unbacked Noncurrent Loans$152,000
Real Estate Owned$0
Historic Data - March 2013
Assets$26.64 million
Equity Capital$2.12 million
Loan Loss Allowance$109,000
Unbacked Noncurrent Loans$152,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.41%
Return on Assets2.01%
Return on Equity21.06%
Interest Income$309,000
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Tri-Cities Community Credit Union Savings Account Rates

0.11%$50-Regular Share Account
0.11%--Johnny Appleseed Account
0.11%--Christmas Club

Tri-Cities Community Credit Union Money Market Rates

0.32%$100k$250kPremium Plus Money Market Savings

Tri-Cities Community Credit Union CD Rates

1.35%$2,500-60 Month Term Certificate
1.25%$2,500-48 Month Term Certificate
1.00%$2,500-36 Month Term Certificate
0.80%$2,500-24 Month Term Certificate
0.70%$2,500-12 Month Term Certificate
0.35%$2,500-6 Month Term Certificate

Tri-Cities Community Credit Union IRA Rates

0.75%--18 Month Variable IRA

Tri-Cities Community Credit Union Locations
Branch Office2626 W Kennewick AveKennewick, WA 99336