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Longshoremen's Local 4 Credit Union

Overview
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Longshoremen's Local 4 Credit Union is a federal credit union based in Vancouver, Washington. It has been opened since 1956, for 64 years.

With around $28,380,000 in assets, Longshoremen's Local 4 Credit Union is considered to be an average size credit union.

About
Address Po Box 61629
Vancouver, Washington 98666
Website http://www.lshore4cu.com
Phone (360) 694-7751
Fax (360) 694-6469
CEO Delin Drake
President of the Board Brian Dircksen
Services Offered
Map
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Score Card
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64 years
Years in business
Opened in 1956
Well Capitalized
Net worth classification
Source: NCUA
1,105 members
Membership type: Multiple common bond – other
Below average number of members
221:1
Credit union member to staff ratio
221 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$28,384,264
Total assets
Average size
1 branch
Compared with an average of 4 nationally and 6 in Washington
Average number of branches
0.20%
Savings interest rate
Compared to 0.3% nationally
10.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 6 in Washington
Average number of branches
Longshoremen's Local 4 Credit Union Branch Locations

Longshoremen's Local 4 Federal Credit Union
1209 Ingalls Street
Vancouver, Washington 98660
No ATM
Members
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1,105 members
Membership type: Multiple common bond – other
Below average number of members

With 1,105 members, the Longshoremen's Local 4 Credit Union is considered to be a small credit union. It is smaller than 79% of credit unions.

Fees
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$38
Average fee per member
The average fee per member at the Longshoremen's Local 4 Credit Union is $38, which is comparable to most credit unions. This rate is lower than 58% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Longshoremen's Local 4 Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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221:1
Credit union member to staff ratio
221 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
5 staff members
FTE (full-time equivalent)
33% of employees are part-time
4 full-time, 2 part-time

Longshoremen's Local 4 Credit Union has 4 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 67% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Longshoremen's Local 4 Credit Union has around 221 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets
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$28,384,264
Total assets
Average size
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
19.3%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$11,784
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 63% of credit unions.

Longshoremen's Local 4 Credit Union holds a total of $12,680,000 in loans and leases, which is about $11,784 per member on average.

Savings interest rate
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0.20%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Longshoremen's Local 4 Credit Union pays 0.20%.

Loan rates
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10.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
12.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
12.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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6.75%
New car loan rate
Compared to 4.0% nationally
12.00%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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6.00%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
6.00%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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