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Overview / Commentary
800-324-5328
P.O. Box 5196
Lake Forest, CA 92609

Eagle Community Credit Union is headquartered in Lake Forest and is the 110st largest credit union in the state of California. It is also the 899th largest credit union in the nation. It was established in 1937 and as of December of 2013, it had grown to 59 employees and 19,003 members. Eagle Community Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Orange County. - See Details

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A+

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 Eagle Community Credit Union had $350,000 in non-current loans and owned real-estate with $15.93 million in equity and loan loss allowances on hand to cover it. This gives Eagle Community Credit Union a Texas Ratio of 2.20% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Eagle Community Credit Union decreased dramatically from 4.25% as of December 31, 2012 to 2.20% as of December 31, 2013, resulting in a positive change of 48.32%.This indicates that the balance sheet and financial strength for Eagle Community Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Eagle Community Credit Union has increased its total deposits by $2.45 million, resulting in 1.32% 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 Eagle Community Credit Union has shown is above average.

Capitalization

GRADE:
C-

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. Eagle Community Credit Union has $205.02 million in assets with $15.93 million in equity, resulting in a capitalization level of 7.77%, which is below average.

Institution Statistics

Overall
NCUA #66847
Year Chartered1937
Employees59
Primary Regulator
Assets and Liabilities
Assets$205.02 million
Loans$111.60 million
Deposits$188.38 million
Equity Capital$14.23 million
Loan Loss Allowance$1.70 million
Unbacked Noncurrent Loans$350,000
Real Estate Owned$0
Historic Data - December 2012
Assets$204.98 million
Equity Capital$16.42 million
Loan Loss Allowance$2.07 million
Unbacked Noncurrent Loans$350,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.26%
Return on Assets0.28%
Return on Equity3.98%
Interest Income$6.81 million
Rates

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Eagle Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$100k-IRA Savings
0.15%$100k-SEP IRA Savings
0.15%$10k-Coverdell Education Savings
0.15%$100k-Roth IRA Savings
0.08%$10k-Access Savings
0.08%$10k-Circus Club Access Savings
0.08%$10k-Green Team Access Savings
0.08%$10k-Credit Builder Shares
0.05%$100-Holiday Club

Eagle Community Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$100k- Premium Advantage Money Market Account

Eagle Community Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100k-Ultimate Checking

Eagle Community Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.55%$100k-60 Month Term Share Certificate
1.50%$2k-60 Month Early Saver Certificate
1.30%$100k-48 Month Term Share Certificate
1.25%$2k-48 Month Early Saver Certificate
1.00%$100k-36 Month Term Share Certificate
0.95%$2k-36 Month Early Saver Certificate
0.65%$100k-24 Month Term Share Certificate
0.60%$2k-24 Month Early Saver Certificate
0.50%$100k-12 Month Term Share Certificate
0.45%$5k-10 Month Stretch Certificate
0.45%$2k-12 Month Early Saver Certificate
0.40%$100k-6 Month Term Share Certificate
0.35%$2k-6 Month Early Saver Certificate
0.30%$100k-3 Month Term Share Certificate
0.25%$2k-3 Month Early Saver Certificate

Eagle Community Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.55%$2k-60 Month IRA Certificate (Traditional,Roth,CESA,SEP)
1.30%$2k-48 Month IRA Certificate (Traditional,Roth,CESA,SEP)
1.00%$2k-36 Month IRA Certificate (Traditional,Roth,CESA)
0.65%$2k-24 Month IRA Certificate (Traditional,Roth,CESA)
0.50%$2k-12 Month IRA Certificate (Traditional,Roth,CESA)
Locations


Eagle Community Credit Union Locations
Branch Office23021 Lake Center DrLake Forest, CA 92630
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Branch Office781 W Kimberly AvePlacentia, CA 92870
Branch Office24000 Avila RdLaguna Niguel, CA 92677
Branch Office12934 Harbor BlvdGarden Grove, CA 928405809
Branch Office23021 Lake Center DrLake Forest, CA 92630
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