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Overview / Commentary
321-690-2328
1030 US Highway 1
Rockledge, FL 32955-2716

Community CU (FL) is headquartered in Rockledge and is the 26th largest credit union in the state of Florida. It is also the 487th largest credit union in the nation. It was established in 1953 and as of March of 2014, it had grown to 83 employees and 35,849 members. Community CU (FL)'s savings rates are 10X the national average, and it has a A health rating.

Field of Membership Restrictions

Must live, work or attend school in Brevard, Indian River, Osceola or Volusia County. Also open to those who are in education, health care, public information commerce or public service commerce in Orange County or those who are associated with ABATE (American Bikers Aiming Toward Education) of Florida, Inc., a motorcycle rights organization. - See Details

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A

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 Community CU (FL) had $5.05 million in non-current loans and owned real-estate with $58.07 million in equity and loan loss allowances on hand to cover it. This gives Community CU (FL) a Texas Ratio of 8.70% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Community CU (FL) decreased slightly from 12.32% as of March 31, 2013 to 8.70% as of March 31, 2014, resulting in a positive change of 29.39%.This indicates that the balance sheet and financial strength for Community CU (FL) has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, Community CU (FL) has increased its total deposits by $16.71 million, resulting in 4.42% 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 Community CU (FL) has shown is excellent.

Capitalization

GRADE:
A+

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. Community CU (FL) has $461.59 million in assets with $58.07 million in equity, resulting in a capitalization level of 12.58%, which is excellent.

Institution Statistics

Overall
NCUA #60816
Year Chartered1953
Employees83
Primary Regulator
Assets and Liabilities
Assets$461.59 million
Loans$368.00 million
Deposits$394.71 million
Equity Capital$47.47 million
Loan Loss Allowance$10.60 million
Unbacked Noncurrent Loans$4.84 million
Real Estate Owned$218,000
Historic Data - March 2013
Assets$428.24 million
Equity Capital$41.21 million
Loan Loss Allowance$11.97 million
Unbacked Noncurrent Loans$4.84 million
Real Estate Owned$227,000
Profit Margin - Quarterly
Net Interest Margin1.22%
Return on Assets0.99%
Return on Equity9.63%
Interest Income$4.84 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Community CU (FL), we are a rate comparison website and can not provide official rates or promotions.

Community CU (FL) Savings Account Rates

DetailsAPYMINMAXPRODUCT
5.00%$100$500Serious Saver Account
1.05%--Health Savings Account
0.70%$500k-Premium Savings
0.65%--IRA Super Savers Account
0.65%--Roth IRA Super Savers Account
0.65%--CESA Super Savers Account
0.40%--IRA Share
0.40%--Roth IRA Share
0.40%--CESA Share
0.30%$100k-Share
0.25%--Club

Community CU (FL) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.45%$100k-Money Market Account

Community CU (FL) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.70%$500k-Business Plus Checking with Interest
0.10%$750-Share Drafts
0.10%$5k-Clear Checking
0.10%$4k-Business Checking with Interest

Community CU (FL) CD Rates

DetailsAPYMINMAXPRODUCT
1.90%$1k-60 Month Share Certificate
1.90%$1k-60 Month Health Savings Certificate
1.40%$1k-48 - 50 Month Share Certificate
1.40%$1k-51 - 53 Month Share Certificate
1.40%$1k-54 - 56 Month Share Certificate
1.40%$1k-57 - 59 Month Share Certificate
1.40%$1k-48 - 50 Month Health Savings Certificate
1.40%$1k-51 - 53 Month Health Savings Certificate
1.40%$1k-54 - 56 Month Health Savings Certificate
1.40%$1k-57 - 59 Month Health Savings Certificate
1.00%$1k-36 - 38 Month Share Certificate
1.00%$1k-42 - 44 Month Share Certificate
1.00%$1k-45 - 47 Month Share Certificate
1.00%$1k-36 - 38 Month Health Savings Certificate
1.00%$1k-42 - 44 Month Health Savings Certificate
1.00%$1k-45 - 47 Month Health Savings Certificate
1.00%$1k-39 - 41 Month Share Certificate
1.00%$1k-39 - 41 Month Health Savings Certificate
0.75%$1k-30 - 32 Month Share Certificate
0.75%$1k-33 - 35 Month Share Certificate
0.75%$1k-30 - 32 Month Health Savings Certificate
0.75%$1k-33 - 35 Month Health Savings Certificate
0.50%$1k-15 - 17 Month Share Certificate
0.50%$1k-18 - 20 Month Share Certificate
0.50%$1k-21 - 23 Month Share Certificate
0.50%$1k-24 - 26 Month Share Certificate
0.50%$1k-27 - 29 Month Share Certificate
0.50%$1k-15 - 17 Month Health Savings Certificate
0.50%$1k-18 - 20 Month Health Savings Certificate
0.50%$1k-21 - 23 Month Health Savings Certificate
0.50%$1k-24 - 26 Month Health Savings Certificate
0.50%$1k-27 - 29 Month Health Savings Certificate
0.30%$1k-12 - 14 Month Share Certificate
0.30%$1k-12 - 14 Month Health Savings Certificate
0.25%$1k-3 - 5 Month Share Certificate
0.25%$1k-6 - 8 Month Share Certificate
0.25%$1k-9 - 11 Month Share Certificate
0.25%$1k-3 - 5 Month Health Savings Certificate
0.25%$1k-6 - 8 Month Health Savings Certificate
0.25%$1k-9 - 11 Month Health Savings Certificate

Community CU (FL) IRA Rates

DetailsAPYMINMAXPRODUCT
1.90%$1k-60 Month IRA Share Certficate
1.40%$1k-48 - 50 Month IRA Share Certificate
1.40%$1k-51 - 53 Month IRA Share Certificate
1.40%$1k-54 - 56 Month IRA Share Certificate
1.40%$1k-57 - 59 Month IRA Share Certificate
1.00%$1k-36 - 38 Month IRA Share Certificate
1.00%$1k-42 - 44 Month IRA Share Certificate
1.00%$1k-45 - 47 Month IRA Share Certificate
1.00%$1k-39 - 41 Month IRA Share Certificate
0.75%$1k-30 - 32 Month IRA Share Certificate
0.75%$1k-33 - 35 Month IRA Share Certificate
0.50%$1k-15 - 17 Month IRA Share Certificate
0.50%$1k-18 - 20 Month IRA Share Certificate
0.50%$1k-21 - 23 Month IRA Share Certificate
0.50%$1k-24 - 26 Month IRA Share Certificate
0.50%$1k-27 - 29 Month IRA Share Certificate
0.30%$1k-12 - 14 Month IRA Share Certificate
0.25%$1k-3 - 5 Month IRA Share Certificate
0.25%$1k-6 - 8 Month IRA Share Certificate
0.25%$1k-9 - 11 Month IRA Share Certificate
Locations


Community CU (FL) Locations
Branch Office291 E Eau Gallie BlvdIndian Harbour Beach, FL 32937-4877
Branch Office6269 N Highway 1Port St John, FL 32927-4925
Branch Office7380 Murrell Rd Ste 102Viera, FL 32940
Branch Office3125 S Washington AveTitusville, FL 32780
Branch Office333 E Nasa BlvdMelbourne, FL 32901-1939
Branch Office1325 Palm Bay Rd NEPalm Bay, FL 32905-3838
Branch Office1030 US Highway 1Rockledge, FL 32955-2716