Credit Union of Southern Calif.

Credit Union of Southern Calif. Locations

10 Pointe Dr. Suite 330
Brea, CA 92821
562-698-8326 ext. 1102
www.cusocal.org

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Credit Union of Southern Calif. is headquartered in Whittier and is the 61^st largest credit union in the state of California. It is also the 354^th largest credit union in the nation. It was established in 1954 and as of September of 2011, it had grown to 122 employees and 41,964 members. Credit Union of Southern Calif. has a 4-star health rating.

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

Credit Union of Southern Calif. Checking Account Rates

Apy	Min	Max	Product
0.35%	-	-	E-Z Earn Checking
0.25%	$50k	-	VALUE+ Checking

Credit Union of Southern Calif. Savings Account Rates

Apy	Min	Max	Product
0.45%	-	-	Deferred Compensation
0.30%	-	-	Holiday Saver
0.30%	-	-	Summer Saver
0.10%	$500	-	Regular Savings
0.10%	$500	-	IRA Savings
0.10%	$500	-	Roth IRA Savings
0.10%	$500	-	Coverdell Education IRA Savings
0.10%	$500	-	Sub-Savings
0.10%	-	-	Regular Savings - Minors
0.10%	-	-	Sub-Savings - Minor

Credit Union of Southern Calif. Money Market Rates

	Apy	Min	Max	Product
	0.40%	$100k	-	Money Market Account

Credit Union of Southern Calif. CD Rates

Apy	Min	Max	Product
1.36%	$1k	-	60 Month Certificate - Relationship Rate
1.36%	$250	-	60 Month Minor Certificate - Relationship Rate
1.11%	$1k	-	60 Month Certificate
1.11%	$250	-	60 Month Minor Certificate
1.10%	$1k	-	48 Month Certificate - Relationship Rate
1.10%	$250	-	48 Month Minor Certificate - Relationship Rate
0.90%	$1k	-	36 Month Certificate - Relationship Rate
0.90%	$25	-	36 Month Minor Certificate - Relationship Rate
0.85%	$1k	-	48 Month Certificate
0.85%	$250	-	48 Month Minor Certificate
0.65%	$1k	-	36 Month Certificate
0.65%	$25	-	36 Month Minor Certificate
0.60%	$1k	-	18 Month Certificate - Relationship Rate
0.60%	$250	-	18 Month Minor Certificate - Relationship Rate
0.60%	$1k	-	24 Month Certificate - Relationship Rate
0.60%	$250	-	24 Month Minor Certificate - Relationship Rate
0.55%	$1k	-	30 Month Certificate - Relationship Rate
0.55%	$250	-	30 Month Minor Certificate - Relationship Rate
0.40%	$150k	-	6 Month Access Certificate
0.40%	$1k	-	12 Month Certificate - Relationship Rate
0.40%	$250	-	12 Month Minor Certificate - Relationship Rate
0.35%	$1k	-	18 Month Certificate
0.35%	$1k	-	24 Month Certificate
0.35%	$250	-	18 Month Minor Certificate
0.35%	$250	-	24 Month Minor Certificate
0.35%	$7,500	-	1 Month Certificate - Relationship Rate
0.35%	$1k	-	3 Month Certificate - Relationship Rate
0.35%	$1k	-	6 Month Certificate - Relationship Rate
0.30%	$1k	-	30 Month Certificate
0.30%	$250	-	30 Month Minor Certificate
0.15%	$1k	-	12 Month Certificate
0.15%	$250	-	12 Month Minor Certificate
0.10%	$7,500	-	1 Month Certificate
0.10%	$1k	-	3 Month Certificate
0.10%	$1k	-	6 Month Certificate

Credit Union of Southern Calif. IRA Rates

Apy	Min	Max	Product
1.36%	$25	-	60 Month IRA Certificate - Relationship Rate
1.36%	$25	-	60 Month Roth IRA Certificate - Relationship Rate
1.11%	$25	-	60 Month IRA Certificate
1.11%	$25	-	60 Month Roth IRA Certificate
1.10%	$25	-	48 Month IRA Certificate - Relationship Rate
1.10%	$25	-	48 Month Roth IRA Certificate - Relationship Rate
0.90%	$25	-	36 Month IRA Certificate - Relationship Rate
0.90%	$25	-	36 Month Roth IRA Certificate - Relationship Rate
0.85%	$25	-	48 Month IRA Certificate
0.85%	$25	-	48 Month Roth IRA Certificate
0.65%	$25	-	36 Month IRA Certificate
0.65%	$25	-	36 Month Roth IRA Certificate
0.60%	$25	-	18 Month IRA Certificate - Relationship Rate
0.60%	$25	-	18 Month Roth IRA Certificate - Relationship Rate
0.60%	$25	-	24 Month IRA Certificate - Relationship Rate
0.60%	$25	-	24 Month Roth IRA Certificate - Relationship Rate
0.55%	$25	-	30 Month IRA Certificate - Relationship Rate
0.55%	$25	-	30 Month Roth IRA Certificate - Relationship Rate
0.40%	$25	-	12 Month Coverdell Education IRA - Relationship Rate
0.40%	$25	-	12 Month IRA Certificate - Relationship Rate
0.40%	$25	-	12 Month Roth IRA Certificate - Relationship Rate
0.35%	$25	-	18 Month IRA Certificate
0.35%	$25	-	24 Month IRA Certificate
0.35%	$25	-	18 Month Roth IRA Certificate
0.35%	$25	-	24 Month Roth IRA Certificate
0.30%	$25	-	30 Month IRA Certificate
0.30%	$25	-	30 Month Roth IRA Certificate
0.15%	$25	-	12 Month IRA Certificate
0.15%	$25	-	12 Month Roth IRA Certificate
0.15%	$25	-	12 Month Coverdell Education IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

CREDIT UNION OF SOUTHERN CALIFORNIA
NCUA #	68456
BankRate Report	View
Year Established	1954
Employees	122
Primary Regulator
Assets and Liabilities
Assets	$546.33 million
Loans	$286.88 million
Deposits	$458.88 million
Equity Capital	$70.05 million
Loan Loss Allowance	$11.33 million
Unbacked Noncurrent Loans	$11.07 million
Real Estate Owned	$458,000
Historic Data - September 2010
Assets	$594.75 million
Equity Capital	$62.39 million
Loan Loss Allowance	$10.10 million
Unbacked Noncurrent Loans	$15.79 million
Real Estate Owned	$369,000
Profit Margin - Quarterly
Net Interest Margin	4.1%
Return on Assets	1.61%
Return on Equity	12.57%
Interest Income	$20.83 million
Non-Interest Income	$9.26 million

Institution Health

Overall Score:

4 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 September 30, 2011 Credit Union of Southern Calif. had $11.53 million in non-current loans and owned real-estate with $81.38 million in equity and loan loss allowances on hand to cover it. This gives Credit Union of Southern Calif. a Texas Ratio of 14.17% 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 Credit Union of Southern Calif. decreased slightly from 22.29% as of September 30, 2010 to 14.17% as of September 30, 2011, resulting in a positive change of 36.43%.This indicates that the balance sheet and financial strength for Credit Union of Southern Calif. has improved slightly in recent periods.
Deposit Growth
In the past year, Credit Union of Southern Calif. has increased its total deposits by $2.36 million, resulting in 0.52% 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 Credit Union of Southern Calif. has shown is average.
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. Credit Union of Southern Calif. has $546.33 million in assets with $81.38 million in equity, resulting in a capitalization level of 14.89%, which is excellent.

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