2.5 star ratingAverage User Rating:
2.5 star rating based on 2 reviews.

Campus Usa Credit Union

Campus Usa Credit Union Locations
PO Box 147029
Gainesville, FL 32614
800-367-6440
www.campuscu.com



Campus Usa Credit Union is headquartered in GAINESVILLE and is the 12st largest credit union in the state of Florida. It is also the 165th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 226 employees and 63,497 members. Campus Usa Credit Union has a 4-star health rating.

Campus Usa Credit Union Routing Number: 263178478



See Rates for: Checking | Savings | CD

Campus Usa Credit Union Checking Account Rates

ApyMinMaxProduct
1.00%$500k-Money Market Checking

Campus Usa Credit Union Savings Account Rates

ApyMinMaxProduct
0.50%$75k-Savings Account
0.50%--IRA Savings
0.50%--CAMPUS Kidz Account
0.25%--Vacation Club Account
0.25%--Holiday Club Account

Campus Usa Credit Union CD Rates

ApyMinMaxProduct
0.90%$75k$100k3 Year CD
0.70%$75k$100k2 Year CD
0.55%$75k$100k18 Month CD
0.45%$75k$100k1 Year CD
0.35%$75k$100k9 Month CD
0.30%$75k$100k182 Day CD
0.26%$75k$100k91 Day CD

Rates updated: 5/23/2012

Data for Q4 2011


Institution Statistics


CAMPUS USA
NCUA #68391
BankRate ReportView
Year Chartered1935
Employees226
Primary Regulator

Assets and Liabilities

Assets$1.08 billion
Loans$672.48 million
Deposits$925.32 million
Equity Capital$132.31 million
Loan Loss Allowance$10.01 million
Unbacked Noncurrent Loans$10.84 million
Real Estate Owned$1.52 million

Historic Data - December 2010

Assets$1.05 billion
Equity Capital$125.83 million
Loan Loss Allowance$12.06 million
Unbacked Noncurrent Loans$12.33 million
Real Estate Owned$575,000

Profit Margin - Quarterly

Net Interest Margin4.92%
Return on Assets0.89%
Return on Equity7.3%
Interest Income$43.88 million
Non-Interest Income$9.49 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
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, 2011 Campus Usa Credit Union had $12.36 million in non-current loans and owned real-estate with $142.32 million in equity and loan loss allowances on hand to cover it. This gives Campus Usa Credit Union a Texas Ratio of 8.68% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Campus Usa Credit Union held steady from 9.36% as of December 31, 2010 to 8.68% as of December 31, 2011, resulting in a positive change of 7.18%.This indicates that the balance sheet and financial strength for Campus Usa Credit Union has held steady in recent periods.
Deposit Growth4
In the past year, Campus Usa Credit Union has increased its total deposits by $24.96 million, resulting in 2.77% 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 Campus Usa Credit Union has shown is above average.
Capitalization5
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. Campus Usa Credit Union has $1.08 billion in assets with $142.32 million in equity, resulting in a capitalization level of 13.17%, which is excellent.
Write Review

Campus USA - Small Minds For Big Dreams!
1 stars - champ2002 - Tuesday, April 17, 2012 - 7:00 PM

I have been a loyal customer of Campus for about 4 years.  I have my checking and savings account with them in addition I have paid off a used car loan and a boat loan with them, have a personal line of credit and Visa credit card with them also.  My credit with them has been perfect and they have made lots of money off of me.  In the 4 years as a loyal customer, I have received 1 $50 dividend check for my share of their success.  I apply for a boat loan yesterday and they will only finance up to 50% of it???  So much for being a loyal customer.  As of tomorrow I am planning on taking my business else where.  What has become painfully obvious with Campus is, they would rather play it safe and nickle and dime you, than loan you real money.  Their moto should be "Small Minds Crushing Big Dreams".  But they will happily sit back and collect the interest off of your loans and credit cards. 

WG

Lake City FL

 

 

 

 

 

 

 

 

 

3

Campus USA Credit Union Is Decent
4 stars - xysea1971 - Saturday, March 12, 2011 - 5:51 AM

I have been a member of Campus USA Credit Union for over fourteen years.  I started with them back when I worked for Shands Hospital and they had a mini-branch and an ATM in the basement of the hospital.  I used to have my pay direct deposited into that account and then I would get money out from the ATM as needed and where I couldn't do that I would write checks.  At that time, they were more local, friendly and helpful, but they were less available.  There were fewer branches back then and they were just beginning to be available outside our general region.   They weren't Campus USA Credit Union back then, they were called Campus Federal Credit Union and you had to be a Shands Employee, a UF staff member or otherwise affiliated with the University of Florida to become a member.  That is no longer true, these days, too.

Financially, they have done well and done their best to keep rates and fees low, however, if you review their fee schedule now they are quite pricey compared to other credit unions, and I no longer keep my primary banking with them.  I do retain a savings account for convenience, and I have never held a loan with them.  Their loan approval standards are quite strict and it somewhat more of a hassle to deal with them on that level, so I tend to go through my primary bank for most of my business.

However, they have great CD rates and I am considering rolling my savings account balance into one of their long term CDs.

1