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955 W Imperial Hwy, P.O. Box 2400
Brea, CA 92822

Evangelical Christian Credit Union is headquartered in Brea and is the 32nd largest credit union in the state of California. It is also the 190th largest credit union in the nation. It was established in 1964 and as of December of 2013, it had grown to 231 employees and 11,659 members. Evangelical Christian Credit Union's savings rates are 44% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

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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 Evangelical Christian Credit Union had $52.58 million in non-current loans and owned real-estate with $108.83 million in equity and loan loss allowances on hand to cover it. This gives Evangelical Christian Credit Union a Texas Ratio of 48.31% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Evangelical Christian Credit Union decreased dramatically from 92.58% as of December 31, 2012 to 48.31% as of December 31, 2013, resulting in a positive change of 47.82%.This indicates that the balance sheet and financial strength for Evangelical Christian Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Evangelical Christian Credit Union has decreased its total deposits by -$8.58 million, resulting in -1.06% 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 Evangelical Christian Credit Union has shown is 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. Evangelical Christian Credit Union has $1.07 billion in assets with $108.83 million in equity, resulting in a capitalization level of 10.13%, which is above average.

Institution Statistics

NCUA #63837
Year Chartered1964
Primary Regulator
Assets and Liabilities
Assets$1.07 billion
Loans$773.96 million
Deposits$799.38 million
Equity Capital$91.78 million
Loan Loss Allowance$17.05 million
Unbacked Noncurrent Loans$38.90 million
Real Estate Owned$13.68 million
Historic Data - December 2012
Assets$1.08 billion
Equity Capital$89.17 million
Loan Loss Allowance$20.99 million
Unbacked Noncurrent Loans$38.90 million
Real Estate Owned$38.88 million
Profit Margin - Quarterly
Net Interest Margin5.2%
Return on Assets0.47%
Return on Equity5.53%
Interest Income$48.02 million
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Evangelical Christian Credit Union Savings Account Rates

0.75%$10k-On-Purpose Savings Account

Evangelical Christian Credit Union Locations
Branch Office955 W Imperial HwyBrea, CA 92821-3815
Branch Office9240 Explorer Dr Ste 101Colorado Springs, CO 80920-5004