Cutting Edge Credit Union

Overview / Commentary

503-653-4392

4620 SE International Way
Milwaukie, OR 97269-2192

Cutting Edge Credit Union is headquartered in Milwaukie and is the 43^rd largest credit union in the state of Oregon. It is also the 2,447^th largest credit union in the nation. It was established in 1953 and as of December of 2019, it had grown to 15 employees and 4,129 members at 2 locations. Cutting Edge Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees and their family of Blount, Inc., Pacific Scientific OECO, Day Wireless, Bob’s Red Mill, CriterionBrock, ATK and other select companies near the office of Blount, Inc. in Milwakie, Oregon or Lewiston, Idaho.
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Health

Data as of Q4 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Cutting Edge Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	8317
Year Chartered	1953
Employees	15
Primary Regulator

Profit Margin
Return on Assets - YTD	0.69%
Return on Equity - YTD	5.67%
Annual Interest Income	$2.0MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$44.5MM$45.4MM
Loans	Q4 2019vs Q4 2018	$33.7MM$34.6MM
Deposits	Q4 2019vs Q4 2018	$38.2MM$39.2MM
Equity Capital	Q4 2019vs Q4 2018	$5.5MM$5.0MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$185.00K$188.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$432.00K$546.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cutting Edge Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%	$25	-	Holiday Club
0.50%^*	$50k^*	-	IRA Savings
OTHER TIERS: 0.10% → $14 - $1k \| 0.25% → $1k - $50k
0.12%	$100	-	Share Savings
0.12%	$100	-	Special Savings
0.12%	$10	-	Discovery Account

Cutting Edge Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%^*	$50k^*	-	Money Market
OTHER TIERS: 0.15% → $2.5k - $25k \| 0.20% → $25k - $50k

Cutting Edge Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.81%^*	$50k^*	-	36 Month CD
OTHER TIERS: 1.21% → $5k - $10k \| 1.41% → $10k - $25k \| 1.61% → $25k - $50k
1.80%^*	$50k^*	-	24 Month CD
OTHER TIERS: 0.90% → $1k - $5k \| 1.00% → $5k - $20k \| 1.10% → $20k - $50k
1.02%	$100	$5k	30 Month Easy Save CD
0.90%^*	$50k^*	-	12 Month CD
OTHER TIERS: 0.60% → $1k - $5k \| 0.70% → $5k - $20k \| 0.80% → $20k - $50k
0.72%	$100	$5k	15 Month Easy Save CD
0.72%	$50	-	12 Month Discovery Add On CD
0.72%	$50	-	12 Month Adventure Add On CD
0.50%^*	$50k^*	-	6 Month CD
OTHER TIERS: 0.20% → $1k - $5k \| 0.30% → $5k - $20k \| 0.40% → $20k - $50k

Cutting Edge Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.80%^*	$50k^*	-	24 Month IRA Certificate
OTHER TIERS: 0.90% → $1k - $5k \| 1.00% → $5k - $20k \| 1.10% → $20k - $50k
0.90%^*	$50k^*	-	12 Month IRA Certificate
OTHER TIERS: 0.60% → $1k - $5k \| 0.70% → $5k - $20k \| 0.80% → $20k - $50k
0.50%^*	$50k^*	-	6 Month IRA Certificate
OTHER TIERS: 0.20% → $1k - $5k \| 0.30% → $5k - $20k \| 0.40% → $20k - $50k

Locations

Cutting Edge Credit Union Locations
Branch Office	2200 1st St	Lewiston, ID 83501-3559
Branch Office	4620 SE International Way Ste 105	Milwaukie, OR 97222

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