Cbc Credit Union

2151 E. Gonzales Rd.
Oxnard, CA 93036
(800) 477-2890
www.cbcfcu.org

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Cbc Credit Union is headquartered in Oxnard and is the 76^th largest credit union in the state of California. It is also the 514^st largest credit union in the nation. It was established in 1952 and as of March of 2013, it had grown to employees and 20,835 members. Cbc Credit Union has a 5-star health rating.

Competitive CD & IRA CD Rates in Southern California at CBC FCU - 3/8/2012

CBC Federal Credit Union has some competitive CD and IRA CD rates. The best rate is 2.20% APY for a 5-year CD with a minimum deposit of $100K. The rate is 2.15% APY for a $50K minimum and 2.10% APY fo ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Cbc Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$25k	-	Checking Account

Cbc Credit Union Savings Account Rates

Apy	Min	Max	Product
0.20%	$100k	-	Health Savings Account
0.10%	$100	-	Regular Savings Account
0.10%	$100	-	Holiday Savings Account
0.10%	$100	-	IRA Savings Account
0.10%	$100	-	Roth IRA Savings Account
0.10%	$100	-	CESA Savings Account

Cbc Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.20%	$100k	-	Insured Money Market Rate Account

Cbc Credit Union CD Rates

Apy	Min	Max	Product
1.10%	$500	-	5 Year Share Certificate
0.85%	$500	-	4 Year Share Certificate
0.75%	$500	-	3 Year Share Certificate
0.50%	$500	-	2 Year Share Certificate
0.35%	$500	-	1 Year Share Certificate
0.35%	$100	-	1 Year SmartSaver Share Certificate
0.25%	$500	-	6 Month Share Certificate

Cbc Credit Union IRA Rates

Apy	Min	Max	Product
1.10%	$500	-	5 Year IRA
1.10%	$500	-	5 Year Roth IRA
1.10%	$500	-	5 Year CESA
0.85%	$500	-	4 Year IRA
0.85%	$500	-	4 Year Roth IRA
0.85%	$500	-	4 Year CESA
0.75%	$500	-	3 Year IRA
0.75%	$500	-	3 Year Roth IRA
0.75%	$500	-	3 Year CESA
0.50%	$500	-	2 Year IRA
0.50%	$500	-	2 Year Roth IRA
0.50%	$500	-	2 Year CESA
0.35%	$500	-	1 Year IRA
0.35%	$100	-	1 Year SmartSaver IRA
0.35%	$500	-	1 Year Roth IRA
0.35%	$100	-	1 Year SmartSaver Roth IRA
0.35%	$500	-	1 Year CESA
0.35%	$100	-	1 Year SmartSaver CESA
0.25%	$500	-	6 Month IRA
0.25%	$500	-	6 Month Roth IRA
0.25%	$500	-	6 Month CESA

Rates updated: 6/19/2013

Data for Q1 2013

Institution Statistics

CBC
NCUA #	7608
BankRate Report	View
Year Chartered	1952
Employees	0
Primary Regulator
Assets and Liabilities
Assets	$415.75 million
Loans	$163.63 million
Deposits	$364.76 million
Equity Capital	$38.98 million
Loan Loss Allowance	$2.86 million
Unbacked Noncurrent Loans	$1.13 million
Real Estate Owned	$240,000
Historic Data - March 2012
Assets	$395.92 million
Equity Capital	$36.98 million
Loan Loss Allowance	$2.78 million
Unbacked Noncurrent Loans	$1.19 million
Profit Margin - Quarterly
Net Interest Margin	1.08%
Return on Assets	0.24%
Return on Equity	2.55%
Interest Income	$2.85 million
Non-Interest Income	$907,000

Institution Health

Overall Score:

5 out of 5

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 March 31, 2013 Cbc Credit Union had $1.37 million in non-current loans and owned real-estate with $41.83 million in equity and loan loss allowances on hand to cover it. This gives Cbc Credit Union a Texas Ratio of 3.27% 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 Cbc Credit Union held steady from 2.98% as of March 31, 2012 to 3.27% as of March 31, 2013, resulting in a negative change of 9.49%. This indicates that the balance sheet and financial strength for Cbc Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Cbc Credit Union has increased its total deposits by $23.4 million, resulting in 6.85% 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 Cbc Credit Union has shown is excellent.
Capitalization
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. Cbc Credit Union has $415.75 million in assets with $41.83 million in equity, resulting in a capitalization level of 10.06%, which is above average.