Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
503-227-5571
1300 Sw 6th Ave
Portland, OR 97201

Unitus Community Credit Union is headquartered in Portland and is the 5th largest credit union in the state of Oregon. It is also the 229th largest credit union in the nation. It was established in 1937 and as of December of 2013, it had grown to 217 employees and 83,462 members. Unitus Community Credit Union's savings rates are 5X the national average, and it has a A health rating.

Field of Membership Restrictions

Must live or work in Multnomah, Washington, Clackamas, Marion, Polk, Yamhill or Clark County. - See Details

Reviews (1)

Great Bank

I love this bank. Everyone is friendly and they make it easy to do business with them.



Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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 Unitus Community Credit Union had $2.74 million in non-current loans and owned real-estate with $87.16 million in equity and loan loss allowances on hand to cover it. This gives Unitus Community Credit Union a Texas Ratio of 3.15% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Unitus Community Credit Union experienced no significant changes from 2.08% as of December 31, 2012 to 3.15% as of December 31, 2013, resulting in a negative change of 51.06%. This indicates that the balance sheet and financial strength for Unitus Community Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Unitus Community Credit Union has increased its total deposits by $21.79 million, resulting in 2.71% 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 Unitus Community 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. Unitus Community Credit Union has $933.26 million in assets with $87.16 million in equity, resulting in a capitalization level of 9.34%, which is average.

Institution Statistics

Overall
NCUA #63440
Year Chartered1937
Employees217
Primary Regulator
Assets and Liabilities
Assets$933.26 million
Loans$560.63 million
Deposits$826.66 million
Equity Capital$82.64 million
Loan Loss Allowance$4.52 million
Unbacked Noncurrent Loans$2.63 million
Real Estate Owned$118,000
Historic Data - December 2012
Assets$912.34 million
Equity Capital$84.99 million
Loan Loss Allowance$4.79 million
Unbacked Noncurrent Loans$2.63 million
Real Estate Owned$126,000
Profit Margin - Quarterly
Net Interest Margin4.25%
Return on Assets-0.05%
Return on Equity-0.6%
Interest Income$30.32 million
Rates

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

Unitus Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
2.50%$50k-Health Savings Account (HSA) Checking
0.10%$25k-Personal Prime Share
0.10%$25k-Business Prime Share Savings
0.10%$25k-IRA Savings Account
0.10%$25k-Special Savings
0.10%$25k-Transaction Account
0.10%$25k-Health Savings Account

Unitus Community Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$25k-Personal Money Market
0.15%$25k-Business Money Market

Unitus Community Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$25k-Interest Checking
0.10%$25k-Optima Checking
0.10%$25k-Business Interest Checking
0.05%--Unitus Reward Checking

Unitus Community Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.90%$50k-60 Month CD
0.90%$50k-60 Month Optima Club CD
0.70%$50k-48 Month CD
0.60%$50k-36 Month CD
0.45%$50k-24 Month CD
0.30%$50k-18 Month CD
0.25%$50k-12 Month CD
0.20%$50k-6 Month CD

Unitus Community Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.90%$50k-60 Month IRA
0.90%$50k-60 Month Optima Club IRA
0.70%$50k-48 Month IRA
0.60%$50k-36 Month IRA
0.45%$50k-24 Month IRA
0.30%$50k-18 Month IRA
0.25%$50k-12 Month IRA
0.20%$50k-6 Month IRA
Locations


Unitus Community Credit Union Locations
Branch Office3820 Market St NESalem, OR 97301-1830
Branch Office1300 SW 6th AvePortland, OR 97201-3464
Branch Office11200 SW Barnes RdPortland, OR 97225
Branch Office9200 SE 82nd AveClackamas, OR 97086-3642
Branch Office1855 NW 188th AveHillsboro, OR 97006-6485
Branch Office800 SE 192nd AveVancouver, WA 98683-9510
Branch Office10580 SW Beaverton Hillsdale HwyBeaverton, OR 97005-3111
Branch Office1052 SE 96th AvePortland, OR 97216