First U.S. Community Credit Union

First U.S. Community Credit Union Locations
580 University Ave
Sacramento, CA 95825
(916) 576-5700
www.firstus.org

NCUA


First U.S. Community Credit Union is headquartered in Sacramento and is the 100th largest credit union in the state of California. It is also the 777th largest credit union in the nation. It was established in 1936 and as of March of 2013, it had grown to 55 employees and 18,971 members. First U.S. Community Credit Union has a 5-star health rating.



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

First U.S. Community Credit Union Checking Account Rates

ApyMinMaxProduct
0.13%$100k-Ultimate Checking
0.04%$20k-Money Market Checking
0.02%$100-Dividend Checking

First U.S. Community Credit Union Savings Account Rates

ApyMinMaxProduct
0.50%--Extreme Savings
0.20%$300-Health Savings Account
0.07%$100-IRA Shares
0.07%$100-Roth IRA Shares
0.07%$100-CESA Shares
0.06%$10k-Money Market Savings
0.05%$100-Regular Savings
0.05%$100-Custom Share Account

First U.S. Community Credit Union Money Market Rates

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0.18%$150k-Platinum Money Market
0.15%$100k-Premier Plus Money Market
0.15%$75k-Gold Money Market
0.15%$100k-IRA Premier Plus Money Market
0.10%$25k-Premier Money Market
0.10%$35k-Silver Money Market
0.10%$25k-IRA Premier Money Market

First U.S. Community Credit Union CD Rates

ApyMinMaxProduct
1.20%$50k-84 Month CD
1.15%$50k-72-83 Month CD
1.10%$50k-60-71 Month CD
0.80%$50k-48-59 Month CD
0.60%$50k-36-47 Month CD
0.40%$50k-24-29 Month CD
0.40%$50k-30-35 Month CD
0.30%$50k-12-17 Month CD
0.30%$50k-18-23 Month CD
0.15%$500-6-11 Month CD
0.10%$500-3-5 Month CD

First U.S. Community Credit Union IRA Rates

ApyMinMaxProduct
1.20%$50k-84 Month IRA
1.20%$50k-84 Month Roth IRA
1.20%$50k-84 Month CESA
1.15%$50k-72-83 Month IRA
1.15%$50k-72-83 Month Roth IRA
1.15%$50k-72-83 Month CESA
1.10%$50k-60-71 Month IRA
1.10%$50k-60-71 Month Roth IRA
1.10%$50k-60-71 Month CESA
0.80%$50k-48-59 Month IRA
0.80%$50k-48-59 Month Roth IRA
0.80%$50k-48-59 Month CESA
0.60%$50k-36-47 Month IRA
0.60%$50k-36-47 Month Roth IRA
0.60%$50k-36-47 Month CESA
0.40%$50k-24-29 Month IRA
0.40%$50k-30-35 Month IRA
0.40%$50k-24-29 Month Roth IRA
0.40%$50k-30-35 Month Roth IRA
0.40%$50k-24-29 Month CESA
0.40%$50k-30-35 Month CESA
0.30%$50k-12-17 Month IRA
0.30%$50k-18-23 Month IRA
0.30%$50k-12-17 Month Roth IRA
0.30%$50k-18-23 Month Roth IRA
0.30%$50k-12-17 Month CESA
0.30%$50k-18-23 Month CESA
0.15%$500-6-11 Month IRA
0.15%$500-6-11 Month Roth IRA
0.15%$500-6-11 Month CESA
0.10%$500-3-5 Month IRA
0.10%$500-3-5 Month Roth IRA
0.10%$500-3-5 Month CESA

Rates updated: 6/18/2013

Data for Q1 2013


Institution Statistics


FIRST U.S. COMMUNITY
NCUA #68474
BankRate ReportView
Year Chartered1936
Employees55
Primary Regulator

Assets and Liabilities

Assets$253.68 million
Loans$145.10 million
Deposits$227.54 million
Equity Capital$24.46 million
Loan Loss Allowance$1.83 million
Unbacked Noncurrent Loans$402,000
Real Estate Owned$450,000

Historic Data - March 2012

Assets$246.05 million
Equity Capital$21.42 million
Loan Loss Allowance$2.58 million
Unbacked Noncurrent Loans$1.26 million
Real Estate Owned$769,000

Profit Margin - Quarterly

Net Interest Margin1.16%
Return on Assets1.87%
Return on Equity19.35%
Interest Income$1.94 million
Non-Interest Income$1.15 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 March 31, 2013 First U.S. Community Credit Union had $852,000 in non-current loans and owned real-estate with $26.28 million in equity and loan loss allowances on hand to cover it. This gives First U.S. Community Credit Union a Texas Ratio of 3.24% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for First U.S. Community Credit Union decreased significantly from 8.45% as of March 31, 2012 to 3.24% as of March 31, 2013, resulting in a positive change of 61.66%.This indicates that the balance sheet and financial strength for First U.S. Community Credit Union has improved significantly in recent periods.
Deposit Growth4
In the past year, First U.S. Community Credit Union has increased its total deposits by $3.63 million, resulting in 1.62% 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 First U.S. Community Credit Union has shown is above average.
Capitalization4
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. First U.S. Community Credit Union has $253.68 million in assets with $26.28 million in equity, resulting in a capitalization level of 10.36%, which is above average.
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