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Overview / Commentary
P.O. Box 266
Pierce, ID 83546

White Pine Credit Union is headquartered in PIERCE and is the 36th largest credit union in the state of Idaho. It is also the 4,698th largest credit union in the nation. It was established in 1964 and as of December of 2013, it had grown to 3 employees and 1,564 members. White Pine Credit Union has a C+ health rating.

Field of Membership Restrictions

Must live or work within a 20 mile radius of Pierce, Idaho. - See Details

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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. White Pine 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 White Pine Credit Union had $146,000 in non-current loans and owned real-estate with $1.05 million in equity and loan loss allowances on hand to cover it. This gives White Pine Credit Union a Texas Ratio of 13.94% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for White Pine Credit Union decreased slightly from 16.04% as of December 31, 2012 to 13.94% as of December 31, 2013, resulting in a positive change of 13.07%.This indicates that the balance sheet and financial strength for White Pine Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, White Pine Credit Union has decreased its total deposits by $-404,000, resulting in -5.21% 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 White Pine Credit Union has shown is below 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. White Pine Credit Union has $8.38 million in assets with $1.05 million in equity, resulting in a capitalization level of 12.50%, which is excellent.

Institution Statistics

NCUA #65786
Year Chartered1964
Primary Regulator
Assets and Liabilities
Assets$8.38 million
Loans$5.07 million
Deposits$7.36 million
Equity Capital$954,000
Loan Loss Allowance$93,000
Unbacked Noncurrent Loans$146,000
Real Estate Owned$0
Historic Data - December 2012
Assets$8.74 million
Equity Capital$947,000
Loan Loss Allowance$144,000
Unbacked Noncurrent Loans$146,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.75%
Return on Assets0.07%
Return on Equity0.63%
Interest Income$298,000
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White Pine Credit Union Savings Account Rates

0.25%--Regular Savings Account
0.25%--Medical Savings Account
0.25%--IRA Account

White Pine Credit Union CD Rates

0.35%--12 Month CD
0.25%--6 Month CD

White Pine Credit Union Locations
Branch Office111 S Main StPIERCE, ID 83546-9700