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Overview / Commentary
6265 San Fernando RD
Glendale, CA 91201

Airco Credit Union is headquartered in GLENDALE and is the 307th largest credit union in the state of California. It is also the 4,190th largest credit union in the nation. It was established in 1957 and as of December of 2013, it had grown to 3 employees and 1,184 members. Airco Credit Union's savings rates are 25% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Must be an employee of Acco Engineered Systems or it's subsidiaries. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Airco Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Airco Credit Union had $14,000 in non-current loans and owned real-estate with $1.33 million in equity and loan loss allowances on hand to cover it. This gives Airco Credit Union a Texas Ratio of 1.05% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Airco Credit Union decreased slightly from 1.43% as of December 31, 2012 to 1.05% as of December 31, 2013, resulting in a positive change of 26.32%.This indicates that the balance sheet and financial strength for Airco Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Airco Credit Union has increased its total deposits by $190,000, resulting in 1.76% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Airco Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Airco Credit Union has $12.3 million in assets with $1.33 million in equity, resulting in a capitalization level of 10.80%, which is above average.

Institution Statistics

NCUA #11917
Year Chartered1957
Primary Regulator
Assets and Liabilities
Assets$12.30 million
Loans$2.33 million
Deposits$10.99 million
Equity Capital$1.30 million
Loan Loss Allowance$33,000
Unbacked Noncurrent Loans$14,000
Real Estate Owned$0
Historic Data - December 2012
Assets$11.99 million
Equity Capital$1.18 million
Loan Loss Allowance$76,000
Unbacked Noncurrent Loans$14,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.86%
Return on Assets0.91%
Return on Equity8.65%
Interest Income$356,000
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Airco Credit Union Savings Account Rates

0.65%$50-IRA Account
0.30%$10k$100kRegular Share Account
0.30%$50-Holiday Account

Airco Credit Union Checking Account Rates

0.15%$25-Share Draft Account

Airco Credit Union CD Rates

0.75%$5k-2 Year Share Certificate
0.50%$5k-12 Month Share Certificate
0.40%$500-6 Month Share Certificate

Airco Credit Union Locations
Branch Office6265 San Fernando RDGlendale, CA 91201