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Overview / Commentary
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 5,077th largest credit union in the nation. It was established in 1960 and as of June of 2017, it had grown to 2 employees and 706 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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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

NCUA #13494
Year Chartered1960
Primary Regulator
Profit Margin
Return on Assets - YTD-0.96%
Return on Equity - YTD-14.29%
Annual Interest Income$39.00K
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$3.3MM$3.2MM
LoansQ2 2017vs Q2 2016$1.3MM$1.5MM
DepositsQ2 2017vs Q2 2016$3.1MM$2.9MM
Equity CapitalQ2 2017vs Q2 2016$224.00K$264.00K
Loan Loss AllowanceQ2 2017vs Q2 2016$16.00K$15.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$10.00K$0
Real Estate OwnedQ2 2017vs Q2 2016$0$0
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Pacific Spruce Federal Credit Union Savings Account Rates

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

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

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