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Overview / Commentary
541-336-2321
727 NW A St
Toledo, OR 97391-1231

Pacific Spruce Federal Credit Union is headquartered in Toledo and is the 58th largest credit union in the state of Oregon. It is also the 5,039th largest credit union in the nation. It was established in 1960 and as of September of 2017, it had grown to 2 employees and 705 members at 1 location. Pacific Spruce Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership in Pacific Spruce Federal Credit Union is open to employees of Georgia Pacific, City of Toledo, City of Newport, Lincoln County, Central Lincoln PUD, Lincoln County School District, Tough Construction, Western Cascade Industries, Oregon Coast Aquarium, Oregon Cascades West Council of Governments, East County Community Partnership, or Alan Brown Tire Center.
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Health
C+
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. Pacific Spruce Federal Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #13494
Year Chartered1960
Employees2
Primary Regulator
Profit Margin
Return on Assets - YTD-1.26%
Return on Equity - YTD-19.68%
Annual Interest Income$60.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$3.3MM$3.2MM
LoansQ3 2017vs Q3 2016$1.3MM$1.5MM
DepositsQ3 2017vs Q3 2016$3.1MM$2.9MM
Equity CapitalQ3 2017vs Q3 2016$210.00K$253.00K
Loan Loss AllowanceQ3 2017vs Q3 2016$16.00K$15.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$0$8.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
Rates

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Locations


Pacific Spruce Federal Credit Union Locations
Branch Office727 NW A StToledo, OR 97391-1231