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Overview / Commentary
10 S Muroc Dr
Edwards, CA 93524

Edwards Credit Union is headquartered in Edwards and is the 121st largest credit union in the state of California. It is also the 1,066th largest credit union in the nation. It was established in 1962 and as of December of 2013, it had grown to 38 employees and 17,418 members. Edwards Credit Union has a A health rating.

Field of Membership Restrictions

Must live, work or attend school in the Antelope Valley. - See Details

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Data for Q4 2013

Institution Health


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, 2013 Edwards Credit Union had $336,000 in non-current loans and owned real-estate with $13.3 million in equity and loan loss allowances on hand to cover it. This gives Edwards Credit Union a Texas Ratio of 2.53% 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 Edwards Credit Union decreased slightly from 2.93% as of December 31, 2012 to 2.53% as of December 31, 2013, resulting in a positive change of 13.69%.This indicates that the balance sheet and financial strength for Edwards Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Edwards Credit Union has increased its total deposits by $7.09 million, resulting in 5.02% 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 Edwards Credit Union has shown is excellent.



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. Edwards Credit Union has $161.87 million in assets with $13.3 million in equity, resulting in a capitalization level of 8.22%, which is average.

Institution Statistics

NCUA #14830
Year Chartered1962
Primary Regulator
Assets and Liabilities
Assets$161.87 million
Loans$69.02 million
Deposits$148.21 million
Equity Capital$12.49 million
Loan Loss Allowance$817,000
Unbacked Noncurrent Loans$336,000
Real Estate Owned$0
Historic Data - December 2012
Assets$153.98 million
Equity Capital$11.58 million
Loan Loss Allowance$1.30 million
Unbacked Noncurrent Loans$336,000
Real Estate Owned$45,000
Profit Margin - Quarterly
Net Interest Margin5.47%
Return on Assets0.53%
Return on Equity6.84%
Interest Income$4.75 million
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Edwards Credit Union Savings Account Rates

0.10%$50-Individual Retirement Account
0.10%$50-Education Individual Retirement Account
0.10%$50-Roth Individual Retirement Account
0.05%$25-Share Savings Account
0.05%$25-Dividend-Earning Account
0.05%$25-Organization Account
0.05%$25-Holiday Club Account
0.05%$25-ELF Account
0.05%$25-Uniform Transfer to Minor Account

Edwards Credit Union Money Market Rates

0.10%$2,500-Money Market Share Savings Account

Edwards Credit Union CD Rates

0.55%$1k-60 Month Certificate
0.45%$1k-48 Month Certificate
0.35%$1k-36 Month Certificate
0.25%$1k-24 Month Certificate
0.15%$1k-12 Month Certificate
0.10%$250-18 Month Share Builder Certificate
0.05%$1k-6 Month Certificate

Edwards Credit Union IRA Rates

0.55%$1k-60 Month IRA Certificate (Traditional,Roth,CESA)
0.45%$1k-48 Month IRA Certificate (Traditional,Roth,CESA)
0.35%$1k-36 Month IRA Certificate (Traditional,Roth,CESA)
0.25%$1k-24 Month IRA Certificate (Traditional,Roth,CESA)
0.15%$1k-12 Month IRA Certificate (Traditional,Roth,CESA)
0.05%$1k-6 Month IRA Certificate (Traditional,Roth,CESA)

Edwards Credit Union Locations
Branch Office10 S Muroc DrEdwards, CA 93524-8002
Branch Office44288 10th St WLancaster, CA 935344134