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340 Arden Ave
Glendale, CA 91203

Clearpath Credit Union is headquartered in Glendale and is the 156th largest credit union in the state of California. It is also the 1,623rd largest credit union in the nation. It was established in 1954 and as of December of 2013, it had grown to 31 employees and 12,129 members. Clearpath Credit Union has a A health rating.

Field of Membership Restrictions

Must be an employee of Ralphs or several other companies. - See Details

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Reviews (1)

Unprofessional Bank

One of the worst banks that I have ever seen. First they charged me service fees for three months in a row without telling me, and they said that it was a teller's fault who didn't tell you. I am trying to get refund on those service charges for three days, and a personal banker tried to reach their manager to discuss about my service charge, but so far there has been no response from manager. Just imagine after 3 days a manager doesn't respond to his/her banker. It's really a shame that bank's hire this kind of manager and keep them in their position. I am not recommending this bank to anyone. Customer service=0.


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. Clearpath Credit Union has a relatively 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 Clearpath Credit Union had $123,000 in non-current loans and owned real-estate with $11.56 million in equity and loan loss allowances on hand to cover it. This gives Clearpath Credit Union a Texas Ratio of 1.06% 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 Clearpath Credit Union decreased dramatically from 4.84% as of December 31, 2012 to 1.06% as of December 31, 2013, resulting in a positive change of 78.00%.This indicates that the balance sheet and financial strength for Clearpath Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Clearpath Credit Union has increased its total deposits by $2.9 million, resulting in 4.01% 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 Clearpath Credit Union has shown is excellent.



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. Clearpath Credit Union has $86.89 million in assets with $11.56 million in equity, resulting in a capitalization level of 13.30%, which is excellent.

Institution Statistics

NCUA #9556
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$86.89 million
Loans$43.63 million
Deposits$75.21 million
Equity Capital$10.59 million
Loan Loss Allowance$967,000
Unbacked Noncurrent Loans$123,000
Real Estate Owned$0
Historic Data - December 2012
Assets$83.68 million
Equity Capital$10.23 million
Loan Loss Allowance$959,000
Unbacked Noncurrent Loans$123,000
Real Estate Owned$426,000
Profit Margin - Quarterly
Net Interest Margin5.09%
Return on Assets0.17%
Return on Equity1.36%
Interest Income$2.95 million
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Clearpath Credit Union Money Market Rates

0.35%$100k-Platinum Money Market Account
0.25%$50k-Gold Money Market Account
0.15%$2,500-Standard Money Market Account

Clearpath Credit Union CD Rates

1.41%$50k-60 Month Savings Certificate
1.41%$50k-Business 60 Month Savings Certificate
1.06%$50k-48-59 Month Savings Certificate
1.06%$50k-Business 48-59 Month Savings Certificate
0.85%$50k-36-47 Month Savings Certificate
0.85%$50k-Business 36-47 Month Savings Certificate
0.60%$50k-24-35 Month Savings Certificate
0.60%$50k-Business 24-35 Month Savings Certificate
0.40%$50k-12-23 Month Savings Certificate
0.40%$50k-Business 12-23 Month Savings Certificate
0.35%$50k-3-11 Month Savings Certificate
0.35%$50k-Business 3-11 Month Savings Certificate

Clearpath Credit Union IRA Rates

1.41%$50k-60 Month IRA Certificate (Traditional,Roth)
1.06%$50k-48-59 Month IRA Certificate (Traditional,Roth)
0.85%$50k-36-47 Month IRA Certificate (Traditional,Roth)
0.60%$50k-24-35 Month IRA Certificate (Traditional,Roth)
0.40%$50k-12-23 Month IRA Certificate (Traditional,Roth)
0.35%$50k-3-11 Month IRA Certificate (Traditional,Roth)

Clearpath Credit Union Locations
Branch Office340 Arden AveGlendale, CA 91203
Branch Office12625 Frederick StMoreno Valley, CA 92553-5216
Branch Office1100 W Artesia BlvdCompton, CA 90220