Eagle Community Credit Union

P.O. Box 5196
Lake Forest, CA 92609
(800) EAGLE CU (324-5328)
www.eaglecu.org

NCUA

OverView
Rates
Health
Reviews

Eagle Community Credit Union is headquartered in Lake Forest and is the 106^th largest credit union in the state of California. It is also the 876^th largest credit union in the nation. It was established in 1937 and as of December of 2012, it had grown to 61 employees and 19,063 members. Eagle Community Credit Union has a 5-star health rating.

Report an Issue

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

Eagle Community Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$100k	-	Ultimate Checking

Eagle Community Credit Union Savings Account Rates

Apy	Min	Max	Product
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

	Apy	Min	Max	Product
	0.35%	$100k	-	Premium Advantage Money Market Account

Eagle Community Credit Union CD Rates

Apy	Min	Max	Product
1.45%	$100k	-	60 Month Term Share Certificate
1.40%	$500	-	60 Month Early Saver Certificate
1.20%	$100k	-	48 Month Term Share Certificate
1.15%	$500	-	48 Month Early Saver Certificate
0.90%	$100k	-	36 Month Term Share Certificate
0.85%	$500	-	36 Month Early Saver Certificate
0.65%	$100k	-	24 Month Term Share Certificate
0.60%	$500	-	24 Month Early Saver Certificate
0.50%	$100k	-	12 Month Term Share Certificate
0.45%	$5k	-	10 Month Stretch Certificate
0.45%	$500	-	12 Month Early Saver Certificate
0.40%	$100k	-	6 Month Term Share Certificate
0.35%	$500	-	6 Month Early Saver Certificate
0.30%	$100k	-	3 Month Term Share Certificate
0.25%	$500	-	3 Month Early Saver Certificate

Eagle Community Credit Union IRA Rates

Apy	Min	Max	Product
1.45%	$2k	-	60 Month IRA Certificate
1.45%	$2k	-	60 Month Roth IRA Certificate
1.45%	$2k	-	60 Month CESA Certificate
1.45%	$2k	-	60 Month SEP IRA Certificate
1.20%	$2k	-	48 Month IRA Certificate
1.20%	$2k	-	48 Month Roth IRA Certificate
1.20%	$2k	-	48 Month CESA Certificate
1.20%	$2k	-	48 Month SEP IRA Certificate
0.90%	$2k	-	36 Month IRA Certificate
0.90%	$2k	-	36 Month Roth IRA Certificate
0.90%	$2k	-	36 Month CESA Certificate
0.65%	$2k	-	24 Month IRA Certificate
0.65%	$2k	-	24 Month Roth IRA Certificate
0.65%	$2k	-	24 Month CESA Certificate
0.50%	$2k	-	12 Month IRA Certificate
0.50%	$2k	-	12 Month Roth IRA Certificate
0.50%	$2k	-	12 Month CESA Certificate

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

EAGLE COMMUNITY
NCUA #	66847
BankRate Report	View
Year Chartered	1937
Employees	61
Primary Regulator
Assets and Liabilities
Assets	$204.98 million
Loans	$97.31 million
Deposits	$185.93 million
Equity Capital	$16.42 million
Loan Loss Allowance	$2.07 million
Unbacked Noncurrent Loans	$786,000
Historic Data - December 2011
Assets	$201.02 million
Equity Capital	$16.10 million
Loan Loss Allowance	$2.46 million
Unbacked Noncurrent Loans	$269,000
Profit Margin - Quarterly
Net Interest Margin	4.82%
Return on Assets	0.36%
Return on Equity	4.54%
Interest Income	$6.73 million
Non-Interest Income	$2.92 million

Institution Health

Overall Score:

5 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 December 31, 2012 Eagle Community Credit Union had $786,000 in non-current loans and owned real-estate with $18.49 million in equity and loan loss allowances on hand to cover it. This gives Eagle Community Credit Union a Texas Ratio of 4.25% 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 Eagle Community Credit Union held steady from 1.45% as of December 31, 2011 to 4.25% as of December 31, 2012, resulting in a negative change of 193.33%. This indicates that the balance sheet and financial strength for Eagle Community Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Eagle Community Credit Union has increased its total deposits by $8.02 million, resulting in 4.51% 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
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 $204.98 million in assets with $18.49 million in equity, resulting in a capitalization level of 9.02%, which is average.

No reviews have been left for this bank yet. Be the first to review.