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P.O. Box 2137
Falls Church, VA 22042

Csc Employees Credit Union is headquartered in Falls Church and is the 49th largest credit union in the state of Virginia. It is also the 1,674th largest credit union in the nation. It was established in 1969 and as of March of 2014, it had grown to 14 employees and 8,414 members. Csc Employees Credit Union has a B+ health rating.

Field of Membership Restrictions

Open to all regular full-time, part-time and casual employees who are on the U.S. payroll or who are U.S. citizens on any foreign payroll of CSC, its subsidiaries and affiliates. Also eligible areemployees of BT and employees of Rhythm & Hues who work in El Segundo, California. Specifically excluded are employees who are non-resident aliens, except for those employees who work in the U.S. and have green card status or who satisfy the requirements of the Substantial Presence Test (SPT) as defined by the United States Citizen and Immigration Services (USCIS). - See Details

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Data for Q1 2014

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. Csc Employees Credit Union has a relatively low asset base.

Texas Ratio


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 Csc Employees Credit Union had $102,000 in non-current loans and owned real-estate with $10.12 million in equity and loan loss allowances on hand to cover it. This gives Csc Employees Credit Union a Texas Ratio of 1.01% 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 Csc Employees Credit Union experienced no significant changes from 0.19% as of March 31, 2013 to 1.01% as of March 31, 2014, resulting in a negative change of 442.50%. This indicates that the balance sheet and financial strength for Csc Employees Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Csc Employees Credit Union has decreased its total deposits by -$1.99 million, resulting in -2.56% 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 Csc Employees Credit Union has shown is below average.



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. Csc Employees Credit Union has $86.34 million in assets with $10.12 million in equity, resulting in a capitalization level of 11.72%, which is excellent.

Institution Statistics

NCUA #19176
Year Chartered1969
Primary Regulator
Assets and Liabilities
Assets$86.34 million
Loans$21.60 million
Deposits$75.70 million
Equity Capital$10.09 million
Loan Loss Allowance$30,000
Unbacked Noncurrent Loans$102,000
Real Estate Owned$0
Historic Data - March 2013
Assets$89.27 million
Equity Capital$11.26 million
Loan Loss Allowance$45,000
Unbacked Noncurrent Loans$102,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin0.99%
Return on Assets-0.67%
Return on Equity-5.75%
Interest Income$407,000
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Csc Employees Credit Union Savings Account Rates

0.30%$5k-Holiday Club Account
0.30%$5k-Vacation Club Account
0.10%--Shares Savings Account
0.10%--VISA Secured Share Savings Account

Csc Employees Credit Union Money Market Rates

0.22%$10k-Money Market Insured Daily Executive Plus Accounts

Csc Employees Credit Union CD Rates

0.55%$1k-36 Month PSC
0.45%$1k-24 Month PSC
0.40%$1k-18 Month PSC
0.35%$100-12 Month Mini PSC
0.35%$1k-12 Month PSC
0.25%$1k-6 Month PSC

Csc Employees Credit Union IRA Rates

0.65%--36 Month Conduit IRA
0.55%--24 Month Conduit IRA
0.50%--18 Month Conduit IRA
0.45%--12 Month Conduit IRA
0.30%--6 Month Conduit IRA

Csc Employees Credit Union Locations
Branch Office2100 E Grand AveEl Segundo, CA 90245
Branch Office3141 Fairview Park Dr Ste R70Falls Church, VA 22042