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2445 Mariondale Ave
Los Angeles, CA 90032

Cal State L.A. Credit Union is headquartered in LOS ANGELES and is the 217st largest credit union in the state of California. It is also the 2,541st largest credit union in the nation. It was established in 1961 and as of March of 2014, it had grown to 11 employees and 4,615 members. Cal State L.A. Credit Union has a B health rating.

Field of Membership Restrictions

Cal State L.A. Federal Credit Union Membership is available to the following groups: -Family members of our members -CSULA Faculty, staff and students -CSULA retirees (must have retired from employment at CSULA) -CSULA Alumni Association members -El Sereno community (those who live, work, worship or go to school in El Sereno) -Employees of Goodwill Industries -Employees of the cities of Vernon, Bell, Bell Gardens, Cudahy, Maywood and Huntington Park -Members of the Greater El Sereno Chamber of Commerce -Employees of Select Employee Groups. A select employee group is a business which has applied for and been approved to offer membership as a benefit to their employees. If you are interested in offering this benefit at no cost to your company, please contact Ida at 323-505-2600 x108. -Received a special offer to refinance your car? We will make a donation to the Alumni Association on your behalf when you bring us your loan so that you will be eligible to join. You do not need to have attended CSULA. - See Details

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Data for Q1 2014

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. Cal State L.A. Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Cal State L.A. Credit Union had $76,000 in non-current loans and owned real-estate with $4.1 million in equity and loan loss allowances on hand to cover it. This gives Cal State L.A. Credit Union a Texas Ratio of 1.85% 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 Cal State L.A. Credit Union decreased dramatically from 3.69% as of March 31, 2013 to 1.85% as of March 31, 2014, resulting in a positive change of 49.81%.This indicates that the balance sheet and financial strength for Cal State L.A. Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Cal State L.A. Credit Union has decreased its total deposits by -$1.37 million, resulting in -3.51% 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 Cal State L.A. Credit Union has shown is below 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. Cal State L.A. Credit Union has $41.58 million in assets with $4.1 million in equity, resulting in a capitalization level of 9.86%, which is above average.

Institution Statistics

NCUA #14499
Year Chartered1961
Primary Regulator
Assets and Liabilities
Assets$41.58 million
Loans$26.36 million
Deposits$37.70 million
Equity Capital$3.75 million
Loan Loss Allowance$346,000
Unbacked Noncurrent Loans$76,000
Real Estate Owned$0
Historic Data - March 2013
Assets$42.80 million
Equity Capital$3.55 million
Loan Loss Allowance$454,000
Unbacked Noncurrent Loans$76,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.08%
Return on Equity11.94%
Interest Income$467,000
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Cal State L.A. Credit Union Savings Account Rates

0.25%$25k-Traditional IRA Share Account
0.25%$25k-Roth IRA Share Account
0.25%$25k-Education IRA Share Account
0.05%$10k-Savings Account
0.05%$100-Holiday Savers Account
0.05%$25-Kids Savings Account
0.05%$10k-Business Savings Account

Cal State L.A. Credit Union Checking Account Rates

0.01%$10k-Share Draft Checking Account
0.01%$10k-Business Interest Checking Account

Cal State L.A. Credit Union CD Rates

0.25%$50k$99k25-36 Month Share Certificate
0.20%$50k$99k18-24 Month Share Certificate
0.15%$50k$99k12-17 Month Share Certificate

Cal State L.A. Credit Union IRA Rates

0.25%$50k$99k25-36 Month IRA Share Certificate
0.20%$50k$99k18-24 Month IRA Share Certificate
0.15%$50k$99k12-17 Month IRA Share Certificate

Cal State L.A. Credit Union Locations
Branch Office4989 HUNTINGTON Dr NLOS ANGELES, CA 90032-1644