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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 59th largest credit union in the state of Oregon. It is also the 5,185th largest credit union in the nation. It was established in 1960 and as of September of 2016, it had grown to 2 employees and 794 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-1.08%
Return on Equity - YTD-13.7%
Annual Interest Income$60.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$3.2MM$3.3MM
LoansQ3 2016vs Q3 2015$1.5MM$1.6MM
DepositsQ3 2016vs Q3 2015$2.9MM$3.0MM
Equity CapitalQ3 2016vs Q3 2015$253.00K$292.00K
Loan Loss AllowanceQ3 2016vs Q3 2015$15.00K$15.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$8.00K$0
Real Estate OwnedQ3 2016vs Q3 2015$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