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Register Guard Employees Credit Union

Overview
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Register Guard Employees Credit Union is a federal credit union based in Springfield, Oregon. It has been opened since 1954, for 66 years.

With around $23,310,000 in assets, Register Guard Employees Credit Union is considered to be an average size credit union.

About
Address 850 Beltline Road
Springfield, Oregon 97477
Website http://www.registerguardfcu.org
Phone (541) 988-9059
Fax (541) 988-9169
CEO Carolyn J. Stahly
President of the Board Lloyd Paseman
Services Offered
Map
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Score Card
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66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
2,932 members
Membership type: Multiple common bond – primary communications and utilities
Average number of members
419:1
Credit union member to staff ratio
419 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$23,309,766
Total assets
Average size
1 branch
Compared with an average of 4 nationally and 5 in Oregon
Average number of branches
0.05%
Savings interest rate
Compared to 0.3% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 5 in Oregon
Average number of branches
Register Guard Employees Credit Union Branch Locations
Members
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2,932 members
Membership type: Multiple common bond – primary communications and utilities
Average number of members

With 2,932 members, the Register Guard Employees Credit Union is considered to be a medium size credit union. It is larger than 44% of credit unions.

Fees
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$40
Average fee per member
The average fee per member at the Register Guard Employees Credit Union is $40, which is comparable to most credit unions. This rate is lower than 57% 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 Register Guard Employees Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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419:1
Credit union member to staff ratio
419 per each FTE employee
Compared to 411:1 nationally
Fewer staff
7 staff members
FTE (full-time equivalent)
25% of employees are part-time
6 full-time, 2 part-time

Register Guard Employees Credit Union has 6 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 75% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Register Guard Employees Credit Union has around 419 members per staff, a higher ratio compared to other credit unions.

Assets
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$23,309,766
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.
16.8%
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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$10,271
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 51% of credit unions.

Register Guard Employees Credit Union holds a total of $15,010,000 in loans and leases, which is about $10,271 per member on average.

Savings interest rate
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0.05%
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. Register Guard Employees Credit Union pays 0.05%.

Loan rates
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13.75%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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5.00%
New car loan rate
Compared to 4.0% nationally
10.00%
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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