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350 S Figueroa Street, Suite 180
Los Angeles, CA 90071

California Bear Credit Union is headquartered in LOS ANGELES and is the 151st largest credit union in the state of California. It is also the 1,483rd largest credit union in the nation. It was established in 1933 and as of December of 2013, it had grown to 21 employees and 12,546 members. California Bear Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee of the State of California or several other sponsor companies. - See Details

Reviews (1)

Poor Customer Service, No Saturday Hours And Very Few Locations.....This Credit Union Sucks!

You can never get to a live person unless you go thru the phone recording maze, No Saturday hours for those who work and are not able to make it to the few branches in the Downrown area....this Credit Union sucks!


Data for Q4 2013

Institution Health


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 California Bear Credit Union had $1.05 million in non-current loans and owned real-estate with $8.27 million in equity and loan loss allowances on hand to cover it. This gives California Bear Credit Union a Texas Ratio of 12.72% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for California Bear Credit Union decreased dramatically from 40.96% as of December 31, 2012 to 12.72% as of December 31, 2013, resulting in a positive change of 68.94%.This indicates that the balance sheet and financial strength for California Bear Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, California Bear Credit Union has decreased its total deposits by -$2.84 million, resulting in -2.99% 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 California Bear 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. California Bear Credit Union has $100.53 million in assets with $8.27 million in equity, resulting in a capitalization level of 8.23%, which is average.

Institution Statistics

NCUA #68507
Year Chartered1933
Primary Regulator
Assets and Liabilities
Assets$100.53 million
Loans$51.82 million
Deposits$92.41 million
Equity Capital$7.37 million
Loan Loss Allowance$901,000
Unbacked Noncurrent Loans$1.05 million
Real Estate Owned$0
Historic Data - December 2012
Assets$103.36 million
Equity Capital$7.26 million
Loan Loss Allowance$1.82 million
Unbacked Noncurrent Loans$1.05 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.03%
Return on Assets0.38%
Return on Equity5.17%
Interest Income$3.19 million

Always verify rates and promotions with the bank or credit union. We are not California Bear Credit Union, we are a rate comparison website and can not provide official rates or promotions.

California Bear Credit Union Savings Account Rates

0.15%$50k-Savings Account
0.15%$50k-Holiday Club Account
0.15%$50k-Vacation Club Account
0.10%--IRA Share Account
0.10%--Roth IRA Share Account

California Bear Credit Union Money Market Rates

0.20%$50k-High Rate Money Market Account

California Bear Credit Union Checking Account Rates

0.05%--Premium Checking Account
0.05%--Student Checking Account
0.05%--Silver Bear Checking Account

California Bear Credit Union CD Rates

1.18%$1k-60 Month Share Certificate
0.95%$1k-48 Month Share Certificate
0.65%$1k-36 Month Share Certificate
0.40%$1k-24 Month Share Certificate
0.25%$1k-12 Month Share Certificate
0.16%$1k-6 Month Share Certificate
0.12%$1k-3 Month Share Certificate
0.07%$1k-30 Day Share Certificate

California Bear Credit Union IRA Rates

1.18%$1k-60 Month IRA Certificate (Traditional,Roth)
0.95%$1k-48 Month IRA Certificate (Traditional,Roth)
0.65%$1k-36 Month IRA Certificate (Traditional,Roth)
0.40%$1k-24 Month IRA Certificate (Traditional,Roth)
0.25%$1k-12 Month IRA Certificate (Traditional,Roth)

California Bear Credit Union Locations
Branch Office100 S Main St Suite 110Los Angeles, CA 90012
Branch Office300 S Spring St Suite 1215Los Angeles, CA 90013
Branch Office350 S Figueroa St Ste 180Los Angeles, CA 90071