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Overview / Commentary
P.O. Box 480
Aberdeen, WA 98520

Utility Employees Credit Union is headquartered in ABERDEEN and is the 101st largest credit union in the state of Washington. It is also the 5,527th largest credit union in the nation. It was established in 1936 and as of December of 2013, it had grown to 467 members. Utility Employees Credit Union has a C+ health rating.

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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. Utility Employees Credit Union has a very 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 Utility Employees Credit Union had $0 in non-current loans and owned real-estate with $452,000 in equity and loan loss allowances on hand to cover it. This gives Utility Employees Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Utility Employees Credit Union has decreased its total deposits by $-15,000, resulting in -0.44% 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 Utility Employees 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. Utility Employees Credit Union has $3.81 million in assets with $452,000 in equity, resulting in a capitalization level of 11.85%, which is excellent.

Institution Statistics

NCUA #1851
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$3.81 million
Loans$1.57 million
Deposits$3.37 million
Equity Capital$437,000
Loan Loss Allowance$15,000
Real Estate Owned$0
Historic Data - December 2012
Assets$3.81 million
Equity Capital$424,000
Loan Loss Allowance$18,000
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.17%
Return on Assets0.29%
Return on Equity2.52%
Interest Income$83,000

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Utility Employees Credit Union Locations
Branch Office220 Myrtle StHoquiam, WA 98550-3011