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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 59th largest credit union in the state of Oregon. It is also the 5,136th largest credit union in the nation. It was established in 1960 and as of December of 2016, it had grown to 2 employees and 729 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-1.21%
Return on Equity - YTD-16.25%
Annual Interest Income$80.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$3.2MM$3.2MM
LoansQ4 2016vs Q4 2015$1.4MM$1.5MM
DepositsQ4 2016vs Q4 2015$3.0MM$2.9MM
Equity CapitalQ4 2016vs Q4 2015$240.00K$280.00K
Loan Loss AllowanceQ4 2016vs Q4 2015$16.00K$15.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$11.00K$28.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Pacific Spruce Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--IRA Account
0.03%--Regular Share (Savings) Account
0.03%--Christmas Club Account
0.03%--Vacation Club Account

Pacific Spruce Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.18%*$100k*-Money Market Account
OTHER TIERS: 0.03% $1k - $5k | 0.04% $5k - $10k | 0.08% $10k - $25k | 0.13% $25k - $50k | 0.15% $50k - $100k
Locations


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